My mom is 62 and 50k in credit card debt
I knew my Mom is terrible with money and fucked for retirement. I recently thought that maybe her and I can save towarda buying a duplex together in a few years so that I could be there for her as she ages. I'd take on more of the financial burden and be there for her as she retires. I knew she had debt. She made a passing comment once about "just wanting to win 50k to pay of her credit card". I thought she was exaggerating. She wasn't.
She makes about 3k a month after taxes. I don't know how the fuck she dug this hole.
Should I urge her to talk to someone about filing for bankruptcy? I know it isn't some get out of jail free card. Morally, she should do her best to repay her debts, but, she's fucked.