<prompt> Human: My parents recently admitted to me they have 60k in credit card debt.The majority of the debt was accrued from medically-related charges for paying hospital bills for my disabled grandmother. I know this was a bad move to transfer the bills to credit cards, but thats what happened and now that Im just finding this out Im trying to gather any information I can to help them.Ive begun initial research, but I just dont know what to trust or the total spectrum of options available for debt relief. Ive seen things like debt consolidation loans, but that looks like a potential for another 25 fee on top of the existing debt.Does anyone have experience with major credit debt and how did you deal with it?Does anyone have any advice for what my parents need to do?EDIT: Additional information: income is 50k, so less than the total debt. I dont know how my mom was able to accrue so much debt with an obviously lower income than what could sustain her paying it down, but it happened. Is the only lawyer this would be associated with a bankruptcy lawyer? Or are there other debt consultation services available?EDIT 2: I need to clarify some more. The debt is ENTIRELY my mothers whose income is 50k. She hid this from my dad for their entire marriage of 20 years. He is not willing to help her with this debt hes always paid for EVERY bill theyve ever had. He has stocks and bonds, and is the homeowner, my mother has no assets outside of her yearly income. How would her filing for bankruptcy affect him, if at all, considering the debt is solely under her credit accounts?Assistant: If they have no assets or income just fine for bankruptcy and start over.Human: I understand 60k debt is high with a comparable 50k income, but is bankruptcy really the best way to deal with this? Doesnt that destroy any chance of reviving credit options in the future?  <response>: Yes, for a number of years, but in their case that may not be a bad thing. 60k is a huge amount of credit card debt. They will be paying that off for a decade. 