Who is responsible to pay credit card bill when incapacitated?

I don't know how incapacitated your mom is, but if she is able and doesn't already have one, she should get a Power of Attorney so that you can make financial decisions for her in the event she is not able to do so. On that note, your mom should also get an Advanced Health Care Directive, with a copy lodged with her local hospital or care facility, so that her wishes pertaining to her passing are honored.

You and your siblings are not responsible for providing the money to pay this debt. It is not your debt. If Mother has money to pay it, use her money and pay it. If Mother does not have money for it, then don't pay it. This may result in her credit being ruined. Does that really matter at this point?

Power Of Attorney states children on controller of funds is not responsible for there debt.
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2013