She may be looking at Chapter 7 bankruptcy here if she cannot pay the debts.She can file this herself pro se.
Here’s a list of the forms most people need when they file for Chapter 7 bankruptcy. Some of these, however, may not apply to your case. For example, if you are not requested a filing fee waiver, you won’t need to fill out Form B 3BA Application for Waiver of Chapter 7 Filing Fee.
B 101 Voluntary Petition for Individuals Filing for Bankruptcy
B 101A Initial Statement About an Eviction Judgment Against You (only if you have eviction judgment against you)
B 101B Statement About Payment of an Eviction Judgment Against You (only if you have eviction judgment against you)
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B 103A Application for Individuals to Pay the Filing Fee in Installments
B 103B Application to Have Chapter 7 Filing Fee Waived
B 106 Summary of Your Assets and Liabilities and Certain Statistical Information
B 106A/B Schedule A/B: Property
B 106C Schedule C: The Property You Claim as Exempt
B 106D Schedule D: Creditors Who Hold Claims Secured by Property
B 106E/F Schedule E/F: Creditors Who Have Unsecured Claims
B 106G Schedule G:Executory Contracts and Unexpired Leases
B 106H Schedule H: Your Codebtors
B 106I Schedule I: Your Income
B 106J Schedule J: Your Expenses
B 106J-2 Schedule J-2: Expenses for Separate Household of Debtor 2
B 107 Your Statement of Financial Affairs for individuals Filing Bankruptcy
B 108 Statement of Intention for Individuals Filing Under Chapter 7
B 121 Your Statement About Your Social Security Numbers
B 122A-1 Chapter 7 Statement of Current Monthly Income
B 122A-1 Supp Statement of Exemption from Presumption of Abuse (only if you qualify for an exception to the means test)
B 122A-2 Chapter 7 Means Test Calculation (only if your income is above the state median income)
This would allow her to start fresh and discharge the debts here.I hope she will read this and consider filing for Chapter 7.
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