<prompt> Human: My mother 81 years old with some memory issues but she lives independently in a retirement community got scammed last winter. A caller claimed she had won a lottery and got enough personal information out of her to open a Barclay credit card in her name.Under the guise of paying taxes on the winnings, he got my mother to take out cash advances on the card and mail the cash to various addresses I know!. Once we, her family, figured out this was going on, we filed a police report, called Barclay and explained the situation, and closed the account. Barclay filed a report with their fraud department and told several of us including the police detective doing the investigation that she would not be liable for the charges.I just found out that Barclay is sending her bills still and there are NEW charges on the supposedly closed account. Of course there is interest and late fees as well. Calls to Barclay have not be useful. They claim that my mother provided the information to the scammer so she is liable for the charges.My mother is of course very upset. Its awful to realize youve been taken advantage of and we thought wed cleaned this all up in January.What courses of action are available to us.My mother wont be borrowing money for anything again. She has her living situation covered and she wont be buying another car before she gives up driving. Her credit rating doesnt matter. Should we just tell Barclay to jump off?Ive heard people that get too deep with credit cards can sometimes negotiate with the bank to pay a portion of the charges and have the rest forgiven. Perhaps threaten the first and negotiate to the second.Appreciate your thoughts.  <response>: If she lives in the USA contact HELPS. Here social security and pension are protected from garnishment. They may still be able to place liens on any titled property. 