People over age 62 may use a FHA Home Equity Conversion Mortgage to resolve debt by refinancing a primary residence. The HECM mortgage can offer sustainable solutions by deferring monthly payments. Reverse Mortgage Julia Atherton Railey can provide solutions tailored to your goals. Options differ for secured debt like mortgages versus unsecured debt like credit cards. Continuing payments of Property tax, insurance, and home maintenance must be included in any solution.