Reply #166: tell her to file chapter 7 bankruptcy.

[Odious justice]

IN a 7 you can liquidate all of your unsecured debt(except for child support, probation fees, and student loans).

She could also surrender her car in the bankruptcy.

Given the description, it sounds likes she makes under fifty five thousand dollars a year, which would allow her to file a 7(this varies per state-median incomes).

Or, if need be, she could always file a 13.

It costs anywhere from 1200 to 2000 dollars to file. A lot of law firms will work with you on payments.

Look into it.