<prompt> Human: After taxes, my father brings home over 3100 from railroad retirement. He is paying almost 900 a month30,000 total on seven different credit cards, lines of credit, andor loans which are all maxed out. Hes been paying towards most of these debts for almost 15 years, interest only.What is the most efficient course of action in significantly reducing his monthly debt bills and paying off these absurd balances? Given hes retiredhis age, living with me, I almost want to tell him to simply blow off all the debt because at this point in his life what does he need good credit for, however, this is probably not good advice.  <response>: Where is the other 2200mo going? 