<prompt> Human: My mother is 59 years old. She lost her husband to cancer 1 year ago. Prior to his death, she had been spending all her money on his cancer treatment and living off credit cards. My husband and I were unaware she was doing this. Heres her situation:-She lives in a nice, paid off trailer. Its a gorgeous upscale trailer park with retirees not your typical trailer park. She pays close to 1k lot rent per month-She makes what I believe is 59kyear before taxes and insurance -22 credit cards totaling over 39k. Her payments total about 2200 monthHeres the disagreement my husband and I are having. I feel like it will take her years and years of payments to pay off these cards at the rate she is going. I feel like she should file for bankruptcy. Please dont judge. I am a firm believer in paying your debts. Her husband was on his death bed so this was how they were surviving. She was not being frivolous or irresponsible. It is what it is and she did what she did to prolong his life as much as possibleMy husband thinks she needs to sell her home, she can maybe get 60k pay off these Credit cards and buy a condo or town home. The area that she lives and works in is very expensive. Her mortgage would be about 1800or more per month. Condos here are not cheap. He is completely against a bankruptcy. He says shell never be able to buy a home. I disagree. Cant she finance a home if she really needed to in 3-5 years after a bankruptcy? Shes comfortable where she lives. Has never mentioned wanting to sell and buy something else my husband invests in real estate so hes always going on about real estate being an excellent investment etc which hes not wrong about. She also lives 5 minutes from where she works. She would have to move at least 30 minutes out of her town to find something affordable. Any thoughts or advice? She is living paycheck to paycheck and she will be paying in these credit cards forever. Update: Thank you everyone! I am meeting with her next week to go over her options with her. So many excellent suggestions and ideas. Sorry I didnt respond to everyone. I did read everything and am overwhelmed with gratitude for the well thought out suggestions and encouragement for my mother.  <response>: What does your mom want to do?If shes not interested in bankruptcy, she might be a good candidate for a Debt Management Program with a non-profit credit counseling agency 