I am retiring on limited income and have several o

Well, if you don't have much money to pay off your debts, then you may get help of the available debt relief plans - debt settlement, debt consolidation, debt management, self repayment plan, etc. These plans can assist you in repaying your debts competently. You can also explain your financial situation to your creditors and arrange a payment plan with them. You can go for credit counselling also. However, if you are still not able to handle your debts, then it will be wise to get professional help. Get to know about the features of all the debt relief plans from the following page and choose the one that suits you best.
http://www.debtconsolidationcare.com/debt-relief.html

What type of loans do you have? Installment, credit card, payday loans?
If they are payday loans, please list the lender and amounts. Also, your state. Payday loans are illegal in a lot of states.

If it's credit card debt, see if you can negotiate a payment plan with lower payments and interest. Explain that you are retired and on a limited income. Some credit card companies will do a 3 or 5 year repayment plan.

As a last resort, you could stop paying them, if social security is your only income. Your creditors cannot touch your benefits, except for taxes and unpaid child support.