<prompt> Human: In total I have about 12,500 in debt from my mom taking out credit cards in my name. Ive since started making payments on cards after she has sent them to me, as she makes the minimum payment and then immediately spends what she just payed.Her mental state is quickly declining, and I fear that it may get to a point where the entirety of this debt will be shrugged off on to me, while I could make minimum payments on them all, that would take ages to fully pay off and leave me without any savings until it is complete.I was just hoping to get some ideas on what I could do if worst comes to worst and I have to shoulder all of this, not sure if debt consolidation is the right move or what.I appreciate any insight, thank you.  <response>: Cancel all the cards, why you are letting your deadbeat mother continue to use them is beyond me.If you are judgement proof have no assets and just work crappy jobs that you can hop between foils any attempts to garnish wages you can just stop paying and get on with your life tell the collectors you have no money and arent going to pay any more.If you arent judgement proof then you can stop paying, wait for the cards to go into collections and negotiate a 0 repayment plan on partial balances. Oddly enough the banks are more willing to discuss a repayment plan once you stop paying and tell them you arent going to pay than if you keep paying them month after month. If you negotiate a repayment plan make sure it is in writing with the provision that the partial repayment will fully satisfy the debt. 