My father is 73 and diagnosed with moderate dementia. He has about $30,000 in credit card debt--and no assets. He has been maklng payments on these bills monthly, but is now being moved into an assisted living facility. He has insurance that will pay for 95% of his first year. He received about $2800 monthly in pension and social security. I'm thinking that he should stop making his credit card payment and "save" his monthly money to cover his second year in the assisted living facility. What is the pro/con of this thinking? Must he declare bankruptcy? I believe that both his pension and social security will be protected from the creditors--correct? Thanks!