Viewer Question: "...currently we have $24,000 in credit card debt and $38,000 in car debt. Should we use our home equity to pay our bills since rates are so low? My husband's afraid to do anything." -Anonymous Stacy answers viewer's and reader's personal finance questions. Want to ask Stacy question? Sign up for the Money Talks Newsletter. Click Here: https://signup.moneytalksnews.com When you receive the newsletter in your email, hit reply and ask your personal finance question.