DEAR HARRY: My husband and I just did a reverse mortgage, and I must say that it's a little scary. We are hearing a lot of opinions about it. It was done to ensure that we'll always have a place to live and to relieve us of a large monthly mortgage payment. The thing that is worrying me now is that we will have nothing to leave to our children when we pass. Another thing is our credit-card debts. Friends are telling us not to pay them because any liens or judgments on the house won't hurt us since we are basically not homeowners anymore. I'm afraid that nonpayment will hurt our credit score, which is not so hot anyway. We have about $19,000 in credit-card obligations right now. Please set us on the right path.