We could really use some help!

If you think that you're on the verge of bankruptcy then debt settlement is the best option to avoid bankruptcy. debt settlement can decrease your debt by 40 to 60%. But it will also negatively affect your credit score by a significant amount.

You can also get an overview and a comparative study of different debt solution options available to you: -
debt solutions - 3 steps and 5 ways to do it

If you can afford the minimum payments and just need lower interest rates look into a debt management Plan or dmp. It will get you one payment with much lower APRs " usually around 6% - 10% ".

My mom is able to make the minimum payments but she has NO MONEY LEFT. She is so stressed out because of this. She is disabled, so she cannot work to make more money. Honestly, if her credit score gets ruined some, then that would be better than this. So would debt settlment be the best then? Thank you all so much!

It sure sounds like debt settlement would probably be the best option. You mentioned she is disabled and thus gets disability right ? If so than she should get some very low settlements because she doesn't even have to worry about the possibility of wage garnishments because she is on disability. The collection calls will suck in a settlement program but well worth it.

So, just to be sure, they couldn't garnish her disability then, could they? What is our first step? Do we stop paying all of her bills, or just a couple, this way we have time to save up some money for a settlment? Thanks.

Social security benefits are exempt from garnishment with exceptions for Federal taxes and child support/alimony.

You can try to settle the accounts on your own but I personally wouldn't because I don't want to hassle with it. And I wouldn't recommend you stop paying the creditors until you are approved with a program.
I think you should call a debt management company but chances are that the payment they will give you will be too much, so then all that's left really is debt settlement.