credit card debt

This is a forum not a bank. Get on a budget and get a second job. Good luck.

Damn, there's sure some uppity folks on here tonight. No wonder that one's posting as a guest.

Dorothycaylo, there are other options, despite what one ill-mannered troll, er... um... guest would have you think. As a start, you might investigate the free credit counseling that is available through this site. I have not used it myself. But I have heard good things about it, from people I trust.

Yes try the free consultation, you can call them or click the link on the side of the page. This service will try and work with your creditors to reduce interest and payments to something you can afford. Good luck!

Your definately doing the right thing by trying to help your mother out! You should try to call them when she is available to give you permission to speak on her behalf. Maybe you could negotiate how much needs to be paid to close the account. best of luck.