<prompt> Human: My father and mother owned and operated a small restaurant up until my father became disabled. My father gets SSD payments, and my mother is an unemployed caregiver. My father is in the process of applying for Medicaid, and if he qualifies, my mother will apply to be a paid caregiver. They own a house and one car, and have qualified for real estate tax relief to help with their bills. Their biggest issue right now is that their credit card is months overdue with no income to pay it off. Now that my father and mother dont work anymore they dont have a need for a credit card but they also have no way to pay off the card. I first contacted the credit card company directly. They referred my parents to a credit card assistance program. After speaking with two people, the main advice was a bit shocking, dont pay. They said if my parents no longer have a need for a credit card and they have no funds to pay it off, that would be their best option. They obviously get calls from the credit card company to try to arrange a way to pay off the card, but they are barely getting by with my fathers SSD payments. What should they do in this situation?  <response>: Many CC companies will lower the interest rate during hardship, the trade off is the card is put on freeze, so no more transactions can be done on the card. 