I am considering steering my mother through bankruptcy and was wondering if this the best or even a necessary course. She is 71 and on a fixed social security income of around $2100/mo. Her rent is about $1000, and in addition to other moderate bills, she has a credit card debt of over 25k, plus other creditors after her for such things as defaulting on a security alarm contract. She really can't afford to pay even the credit card bills, which though she has entered into a debt consolidation agreement with some online company, her monthly debt is still $450/month. She has no assets or retirement savings, so there is really nothing a collection agency could come after her for if she defaulted on any credit payment. She is not worried about her credit since she doesn't forsee borrowing for anything, not even a car. What should she do?