Go buy Dave Ramsey's Total Money Makeover.
If you're going to do something about some credit card debt, read that book FIRST.
I can't comment on the home equity stuff, but I will be taking a loan out against my 401k to help pay off debt. However, the whole process of getting out of debt has to start with an attitude adjustment. STOP buying things you can't afford. I've done so, and have gone most of this year without using any credit.
I personally don't feel bad or hesitant to take money out of my 401k, because in my opinion, having money that's EARNING only around 12% while being in debt that's COSTING me 20, 25 or more % just doesn't make sense. In fact, I'd wipe out my 401k completely if it paid off my debt completely, and then start over.
Then, with my change in attitude, I would nix all but one of my credit cards, have the limit lowered to an amount I can handle if I have to use it, but per the book above, I'd have my Emergency Fund in place, so I wouldn't have to. I'd just have recurring bills paid by the CC and pay it off every month.