听力原文： If you're having trouble paying your bills, consider all your alternatives before deciding to file for bankruptcy. A credit counseling service can help you a great deal. These organizations work with you and your creditors to develop debt repayment plans: you deposit money each month with the counseling service, and they pay your creditors. I would caution against getting a second mortgage or home equity line of credit. These loans may allow you to consolidate your debt, but they also require your home as collateral. If you fail to pay, you can lose your home. What is the subject of the speaker's talk?