My parents have roughly $60K in debt from debt they were easily paying off before they got sick and lost all their savings to medical and nursing home bills. I stopped paying every credit card bill so that the little bit of SS money left after priority bills is saved for an emergency. I have just enough money to pay a really good bankruptcy lawyer, and my parents don't technically need good credit. They are done buying cars, houses, etc. They pay their rent, utilities, phone, and insurance premiums faithfully, but the credit card and medical debt minimums are extremely high. At most I could probably put $10 towards each debt each month, but that seems like a waste for both my parents and the entities they owe. My parents never answer numbers they don't recognize, and, well, my dad isnt well enough to answer the phone anyways. I could let debtors and collections call them forever, or file bankruptcy and get it all wiped away for $1600. I'm leaning towards the bankruptcy just to have a clean slate for them and for me as POA (aka, to make my life 100000000% easier). I guess I'm looking for validation. It doesn't hurt their pride or my pride to file bankruptcy because no one could have ever guessed this is what their retirement would look like. They went from rich to poor in one year, and they are really ready to just have a simple, peaceful life and focus on gaining back what independence they have. Maybe bankruptcy is what we need mentally and financially? I'm just paranoid of being taken to court or having collection agencies get mean. Their social security and state retirement pension is judgement free and can only be garnished by the IRS, so I guess I shouldn't be super worried. I also can't just have the debt written off because it would possibly put them into a higher tax bracket if the creditor reports the written off debt to the IRS... Give me your thoughts.