I am retired and living on a pension and Social Security.  I never prepared for retirement and have literally no savings or investments.  I am under water on my mortgage, although by only a couple thousand dollars.

 I have never been late on a bill and have a Fico score just short of 800.  Unfortunately, I believe I am about to lose my pension to a Chapter 11 filing of my former employer.  I am 67 and in no condition to go back to work...even if here were jobs out there (AND I weren't a senior citizen!).  This is not a very rosy picture but I'll survive, I'm sure.