I had at one time one of best sport figurine collections in the US. I decided to sell to raise cash for another issue. The hardest to sell was the first. I knew I would never find these in the graded condition again and had spent countless hours searching and traveling across the Midwest to accumulate. I would no longer have one of the best collections.
Once the money started coming in, I no longer had any regrets. It didn't hurt looking back that I sold close to the top in prices. You never know that pins will continue to appreciate and most likely we are near the top. Like in the stock market, once the secondary and tertiary players start to take off there isn't much more room to go. Plus, you instantly gain by not paying 20% interest on your cc debt and gain peace of mind... Priceless.
You won't have regret you sold at great prices to pay off debt but would that you didn't when you had the chance.