Generally, anything where you've incurred a debt that needs to be paid off over time - credit card bills, auto loans, medical bills, student loans, etc.The exception would be your mortgage; if you're having trouble paying that, you need to work that out directly with your lender, perhaps through a loan modification.
A HELOC sets a certain amount you can borrow, called a line of credit, and you can draw upon at any time and in any amounts you wish.
This not only simplifies the payments, but can also provide real debt relief by reducing those payments as well.
A consolidation loan can reduce your monthly debt payments in two ways.
You not only get one of the best interest rates available, but you can also stretch out your payments for 15-20 years or even longer, allowing you to minimize monthly payments.
A home equity loan is a type of second mortgage that is secured by the equity (ownership) you have in your home.