My mom is on a fixed income. She has credit card debt as well. She will have to be placed in a facility this next month and that will cost most of what she brings in monthly, with maybe $100 left over each month. I am concerned (slightly) about her other monthly bills, mostly the credit card payments that she will not have funds to pay. Any advice on how to prepare for the creditors phone calls once she won't have money to pay those bills?