Should i lock my Home Equity Line

[NJ0169]

I will be filling CH13 sometime at year end, I currently have home equity line of credit at variable rate currently 2.24% which is great rate. Should i lock it to fixed rate before filing (currently 5.70). I'm afraid that if I don't lock it the bank could call the loan and lock it at much higher rate.

Also, I would like t know if anyone here have any experience in NJ. Thanks

[rrockinggramma]

if you are planning to keep the house etc and keep paying the mortgage on it I would lock it in at the lowest rate possible. They are only going to go up. . .