<prompt> Human: Dear Redditors,I am seeking advice on what to do about a family members situation San Jose, CA . Jane and her husband Dave have been married for over 40 years. When Dave became ill at 65 years of age, Jane was forced to take over the household finances. She discovered that Dave is in credit card debt and was not being honest about where his money was coming from-- for years. Dave now has a terminally ill disease and lost many motor functions and can barely speak, but has full cognitive function. Jane requested a credit report and saw 66 credit card accounts and even a federal student loan that was taken out in their sons name. Jane and Dave own their home and Jane has her own business. She was denied for personal loans to consolidate the credit cards because the amount is a little over 300,000. Safe to say, Jane should have been more aware about her husbands financial situation but feels powerless at the moment and doesnt know what to do. Her last resort is to sell her home. Jane works 45 hours and week and now has to care for her terminally ill husband before and after work. Dave receives social security benefits of 3k per month, but his medically bills are just a much. Janes yearly income is a little over 100k per year. Her home is worth 1.5 million roughly, if she sells, she still has to find a home for her and her husband as she is near retirement age as well. I hear over the radio about companies that can argue with Credit Card companies to reduce debt, I wonder how that works? Jane said that even if she pursued a divorce she would still be liable for the debt? Shes a bit shaken up at the moment and has made appointments with financial advisors. I thought maybe some of you have gone through this or have any advice.  <response>: Has she been able to verify that all 66 cards were indeed opened by Dave and that the statements reflect actual purchases he made?At that age, especially with failing health and daytime caregivers coming in while shes at work, hed be an easy mark for identity thieves, and the sheer volume of cards would make it really hard to even spot the dubious transactions. 