Hard-hit by layoffs during the recession, Laurie and her husband drained their retirement savings to cover the mortgage, and ran up their credit cards to pay for necessities. For a while they were afraid they wouldn't be spared from bankruptcy. Fortunately, they are both back at work. Now they want to shed $50,000 in credit card debt that they incurred while unemployed. How can they take their best shot? Huff/Post50's Laura Rowley offers advice.