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She has Medicare A & B only.  Medical, credit card...

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I should say that I am not a tax expert, so seeking a second opinion is good just to be sure.
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No. I checked on this and you can claim someone as a dependent if they qualify under the IRS rules. You do not assume debts that they have, neither credit card nor tax debts. There are only a few cases where responsibility of debts would be assumed. Housing and supporting your unemployed brother isn't one of these, so don't worry.

I hope he is able to find a job soon. It can be a tough employment world out there.
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