<prompt> Human: Please forgive me if this is a wall of text. About a month ago my dad passed away after battling a heart condition. It was a really unexpected passing in that he was sick, but it went badly quickly. Nonetheless he left with no will, no executor, no life insurance, nothing but a whole heck of a lot of debt and charges he made to my credit card. Im sitting on about 15k in credit card debt, about 10k of that is based on charges my dad put on it including interest. My dad never had permission to use my credit card for these charges. Id call him out on it, change my number, etc, but he continued to utilize it. I kept hearing Ill pay you back, I promise. but, he never did. He also outright stole close to 10k from my brother. Im not making excuses for him, but he had severe depression and was still paying back medical expenses from my mom who passed away in 2001 and our family home foreclosure as well, so it was more mental illness than an outright evil act. Luckily, our family friend is a lawyer whos helping us out with the estate issue and my grandmother paid for the funeral. Due to my dads debts his estate is going into insolvency meaning his debts exceeded what he owned in property. The lawyer is getting me listed as the administrator, but its going to be a good couple of months before anything happens with that. Anyways, about the question at hand. Ive been struggling with these credit card debts for awhile and have attempted the advice in this subreddit for awhile, but due to how much I make its difficult. I work in the non-profit sector, so we dont exactly make a lot. Im considering debt consolidation, but every company Ive spoken to seems like a scam and refuse to speak to me face to face. I did contact the credit card company. I spoke to both the fraud and identity theft departments and they said there was nothing they could do and I couldnt make a claim. Due to the fact I had knowledge my dad was doing this and I didnt make a claim at the time, Im responsible for any and all debts he put on my credit card. My lawyer suggested I call the credit card company in the first place and ask, beyond that he said there wasnt anything the courts could do. So, my questions this. What options do I have? Is debt consolidation my best option? Bankruptcy isnt. Is there anything I can look into that I or my lawyer havent thought of regarding my debts? For all intensive purposes my info all numbers have been rounded...Weekly pay: 317 after taxesCredit card 1: 275 a month, 12.9 interest 12,900 on itCredit card 2: 75 a month, 17.9 interest 2400 on itPhone: 55 a monthCar loan: 191 a month, 5500 left on it at 9 interest.Car insurance: 182 per month, full coverageStudent loans: 70 per month, 1000 left on it at 2.3 interest.Health Insurance: 85 a monthRent: 0, I live with my girlfriend and am responsible for housework due to my financial situation her idea.  <response>: Not much you can do if the debts are in your name and youve pursued all your legal options and spoken with your credit card company.Id think strongly about increasing you income second job, new career, etc. until you can get your finances under control. 