Q. My husband and I are retired on a small pension and Social Security. We have a home-equity loan for about $30,000 (no mortgage) and almost $50,000 in credit-card debt. We were living beyond our means, and we’re now in a terrible fix. We have not missed any payments, but our savings are almost gone. Our home is worth about $140,000 in today’s depressed market. We don’t want to lose our home or our good credit score. If we could cut our monthly payments by about $300, we could stay out of bankruptcy. Please help!