My parents have massive credit card, hospital, and nursing home debts from 2016 and 2017 that never got paid off. The cards are all cancelled, and they don't have enough remaining after rent and bills to even pay the minimums. They only have so much savings left but I'm holding onto it until I can get approved for the waiver program which will pay for in-home health. I don't have the time or the money right now to deal with a bankruptcy since I am finishing school and starting a new job. Should I just tell the people I owe that their money is being used for in-home health required for every day basic functions?? Without in-home health, they would be in a nursing home or dead, and obviously their life has more value than some paper bills. I don't care about inheriting any of their stuff, so if collections wants to take it all after they pass away, I don't care.