Home equity vs. personal loan for cc debt [View all]

I have significant credit card debt and also have some home repairs that need to be done. I am blessed with a sufficiently stable job and income where I can try to do something about these problems.

I was originally thinking that I would get a home equity loan to cover both: consolidate the cc debt, and fund the house repairs. The credit card debt is the larger component of the total. While the interest rate would be desirable, this would end up recapitalizing my house to a large degree. But then something I read suggested that turning unsecured debt, like credit card debt, into secured debt, as with a homeq loan, is not necessarily smart despite the interest savings: in the event that something happens and you are not able to pay the homeq loan, that loan can't be written off in a bankruptcy like unsecured debt can, and you'd be at risk of having your house repossessed. UNLESS you can be reasonably sure that the homeq loan -- credit card included -- can be paid off in 5 years. I'm not sure of that, since it's such a high amount.

So now I'm looking at doing a personal loan for the cc debt, and still doing a homeq loan for the house repairs. Of course, the interest rate on the personal loan is a bit higher that way; plus, trying to make TWO loan payments may not be possible with my monthly cash flow.

I'm just trying to figure out the best path forward, and thought I'd see if anyone here has any insights.

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