My mom got into some financial trouble a while back while my fater was sick. She has about 23,000 in credit card debt, but most of the accounts are closed. She can't get any loans because her credit is shot.
She will eventually get a large some of money( a couple of hundred thousand) , but it may not be for a while. What can she do in the meantime? Do credit card consolidation companies work? Should I cosign on a personal loan for her?