My 91-year-old aunt gets $1,400 a month from SS. Her minimum payment on all her credit cards are $2,000. She owes 65k - 70K. Plus she has payments on home equity and car. About 2 years ago she was diagnosed with cognitive impairment, not dementia. She's now drowning in debt. We are concerned that the credit card company will put a lien on her house. She owes about 60K on her house and has about 70-100k in equity. We want to help, but we don't have that much money. Will the credit card company settle and is $0.10 on the $1 reasonable? Should we try to settle? We're angry that the credit card company would even allow a 91-year-old woman on SS to open 70K in credit card debt. Isn't there a debt to income ratio for loans? Aren't there laws against this? How do we get the company to stop calling? Should we get a lawyer? If so, what kind? If not, who else can help figure this out?