Yes, she can stop paying. When my inlaws were imploding cognitively with memory impairment and Parkinsons, the first thing we did was stop paying their mortgage because they had a ballooned second mortgage and thousands in cc debt, no assets and $0 savings. They were both going into facilities.
She is on Medicaid. Clearly she has no funds to pay this debt. She cannot be made to pay this out of her social security money, so this debt cannot be collected.
If your mom has a home, then it may be, if court action is taken and a judgement for collection is made, that the credit card company can collect this debt by putting a lien on a house or car and collecting when said are sold.
What you need to take great care in now is not ASSUMING THIS DEBT. If you make so much as a small single payment yourself out of your own money, you can be considered to have legally "assumed" this debt and can be held liable for payment.
They will ruin your mom's credit, but she isn't going to be using credit, so who cares. When she passes you can return all bills with a note "Died; left no estate".
She cannot be made to pay this out of her social security money, so this debt cannot be collected.
If your mom has a home, then it may be, if court action is taken and a judgement for collection is made, that the credit card company can collect this debt by putting a lien on a house or car and collecting when said are sold.
What you need to take great care in now is not ASSUMING THIS DEBT. If you make so much as a small single payment yourself out of your own money, you can be considered to have legally "assumed" this debt and can be held liable for payment.
They will ruin your mom's credit, but she isn't going to be using credit, so who cares. When she passes you can return all bills with a note "Died; left no estate".
You should verify the impact of an additional 11k in income for eligibility of Medicaid.