So here’s the long and the short of it. I’m an only child and I live 15 minutes away from my parents. I pretty much handle it all myself. Dad’s got a myriad of health problems ranging from COPD to being a multiple stroke victim to having trouble eating (he had issues with his taste buds). He’s been home bound and chair bound many many times. They currently have home care coming to do PT and OT each twice a week. And yes, that means a copay EVERY visit. Thankfully mom got on a monthly payment plan. Mom on the other hand worked pretty much most of my childhood to support us as my dad had his first major stroke when I was young. I am now in my thirties. The problem is that my mom racked up a ton of credit card debt and refinanced their home so many times I can’t count. She was diagnosed with major depressive disorder at nine years old and was never any good at dealing with finances. Half the time I couldn’t even tell if it was the depression causing the problems or the medication side effects. She was laid off a couple years ago and pretty much became my dad’s full time caregiver. She actually did a fabulous job of caregiving, but of course that doesn’t pay the bills. She went through pretty much all of her 401(k). The depression is so bad at this point that it is making it nearly impossible for her to go back to work. I took her to a local government financial office and we laid out her entire budget. The living expense side needs to be trimmed down a couple hundred dollars. This we can do by changing her trash company, skimming down her cable bill and finding her new car insurance. Things like that I have no problem helping with. The main issue is the credit card debt. We’re talking around $35,000. This government office (NFCC) told her that they could help her with a debt management program. But she would need to find a job where she could make at least $250 a week (25 hrs x $10/hr). Because after the debt management program skims down the interest on the debt she will need to pay back at least $1000 a month on it for approx. 5 years. They told her in the meantime while she works on trying to find a job, to basically ignore the collection phone calls (they are behind) and make sure she pays on things like her mortgage, electric, groceries, medication and health insurance. We came out of that meeting feeling pretty good. Now, weeks later I am looking at her current emotional state and I am thinking there is absolutely no way she will be able to get a job let alone hold down a job. She is forgetting things like crazy and repeating herself all the time. For instance yesterday my dad asked me if I had a camping chair he could borrow so that he can sit out in the front yard and enjoy the nice weather. PT and OT are working to help him get outside. So my mom came over at lunch and met me to get the chair. When I showed up from work she looked at me with a puzzled look on her face and said, I don’t even know why I am here. Your dad sent me for something, but I can’t remember what I’m picking up. I told her it was the chair and right away she said oh yeah that’s right the chair. Now before anybody yells Alzheimer's or Dementia, her psychiatrist just recently saw her and said he believes what is going on is that her depression medication is causing her to have memory issues. He sees no sign of Alzheimer’s. So just recently she started breaking a certain pill in half every morning at his request. We are starting to see a little bit of a change for the better, but I’m thinking there is no way this woman will ever be able to hold down a job. Now we’ve got to find a way to handle all of this credit card debt. Should she file for bankruptcy? Is there anyway due to the depression that we would have any solid ground to stand on for calling up each of her individual creditors and getting the debt reduced or canceled? Or will they just act like I am crazy? This Mother’s Day is supposed to be something fun and special. A way to make her feel appreciated. Instead I am becoming so depressed that I can barely even stand to go to work. I get phone calls from both parents all day as they are heavily dependent on me. My marriage is suffering severely. All of this weight rests on my shoulders and I feel like there’s nothing I can do to help them. Can anybody out there help me from prior experience? The ideal at this point would be to have my mom retired and at home caregiving my dad in their last days. Instead they are saying she would have to go back to work for at least five years part time. It wouldn’t be so bad really if my dad didn’t need a full-time caregiver and she could actually hold down a job. But recently we were dealing with an issue with their insurance and she couldn’t even figure out a simple math problem without getting so flustered that she was bawling. Please help I don’t know what else to do! If they didn’t have all this credit card debt they would be just fine! Can anybody out there help?