Thank you for your question. I am happy to assist you.
She can consider doing nothing as she appears to be judgment proof.
Federal law exempts Social Security benefits from creditors with the exception of taxes, student loans and support.
That means that most creditors cannot garnish your mother's social security benefits.
You can read the federal law in full at:
Thus, if your mother stops paying the credit card debt, there appears to be no assets for creditors to attach.
I hope that the information which I provided was helpful to you.
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