<prompt> Human: Shes typically been the responsible one of us, but I opened the door today to a process server and found she has an almost 7,000 Target card bill shes being taken to court for. Shell probably ask her family for help, but if paying a lump sum within 20 days isnt an option, where can we start without incurring legal fees? Are these companies even open to negotiation at this point? Many years ago I handled an exorbitant debt through a credit counselor that basically paid it for me, and whom I paid off at a lower interest rate. Are there reputable ones around we could use in case? And could I be held liable for the debt somehow, aside from already sharing expenses with her? Thanks, I probably have more questions but will leave it here, just hope to have ideas to start with ASAP.Assistant: Mate before going down any path find out what other debt shes been hidingHuman: Weve been through enough together that I expect shell be honest about other debts. Unless we end up on the street, Ill probably just force her to binge-watch a season of Bojack Horseman with me.  <response>: maybe ask her for her credit report. In a nice way to work your way out of the 7k mess. Good luck mate 