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Message: <blockquote data-quote="Vraille Darkfang" data-source="post: 3664561" data-attributes="member: 16989">Thanks for the advice.My mom doesn't own a house & has no real assests to speak of.While Bankruptcy would here her credit rating, it wouldn't a whole lot worse than it is right now.The main problem is I'm too far away (and lacking in free time) to do the research for her.She lacks internet access & isn't sure where to go for help.  She lives in the same town as my sister, but she has a kid that just turned 2, so her free time is limited.I'll see if maybe MO (specifically ST Joe) has some sort of Consumer Bureau that would give her the info she needs.Her job is OK (she has medical benefits).  But her debt load, combined with her medical problems (diabetes), she just barely has more coming in than going out.Any month with unexpected expenses around $100 bucks or so & she gets in deeper.Rarely is a month where she ends up better than the previous one.Until she gets the Debts she has under control, there isn't a lot I can do to help here.I could send her cash now & then, but it won't be enough to make a long term difference.She's taked some steps, but to be honest.She took a long time digging herself in, so it's going to take a long time digging herself out.Biggest source of debt.  Store Credit Cards.  The ones with the 25% Interest & low monthly payments.  That's what really got her.</blockquote>