<prompt> Human: My parents have a credit card debt that may be anywhere from 40K to 100K. It is unclear, because they never answer the phone and pretty much go la, la, la, la whenever the phone rings so as to not restart the debt. They are hoping to have the statue of limitations of six years in Oregon to pass so they dont have to pay it. We are being foreclosed on completely different issue, but at least our 1800 mortgage will be a 1100 or less, more in line with 3800 take home pay. Their car, a 500 payment, will also be completely paid off this year. This frees up about 1200 a month to better balance their budget I am seriously trying to get them to make one, their rule is: Try to spend less than earned but they dont even know how much they spend on groceries or cigarettes. Granted they are no longer making any more debts since they live off a cash, but they have no savings.I really want some ideas on how to better their atrocious financial situation. They dont want to pay the debts, but Im not as optimistic about them getting away with it. One day Ill have to move away unless they move with me after college and then they wont have a bank account to shelter their money in as easily. A department store has already sued them for like, 5K I think in court, and I believe that is the only debt that can garnish their paycheck right now. It has not, but I know its only a matter of time.They want to move out of Oregon one day, to West Virginia, but I heard the statue of limitations there is ten years, and I am not sure if the dates for collection will extend to ten years or not. I think they will have more money in Oregon though, and 1200 a month is a powerful method to pay back some of their loans. Im wanting at least 200 for school until i can get a job in this bad economy so I can continue going to school when I transfer from a community college to a university. I live at home, its already as cheap as possible.From the five months before listing, well have 9K from not paying the mortgage they refuse to accept anything now that they have rejected us for modification, which I suspect is because of the credit debts. Maybe more, I have no idea, they have yet to give us a clear guideline of when well be kicked out. I suspect well get that in a month. It goes up for listing in November. Well probably need some of that to get an apartment although Ill be getting a credit card for purchases needed with that. My parents credit scores are 360 and 480... I did not know credit scores could go under 400...Is there a way to make a deal with the companies to pay back a fraction of the debt? Will they be able to strategically ignore some? Any resources, tips, and links?  <response>: Dont let them ruin your life. You sound like you have good intentions but they need to have a major lifestyle change before it makes sense to do something about their debt. If theyre going to continue racking up debt, your well laid plans will be worthless. Try to help them change but dont screw yourself over. : 