@aimeewhitt1, also if she has a bank that she's had for some time- try getting one threw them. My mother in law has also got a loan by putting her vehicle up as collateral- if she owns the vehicle they should be able to do a loan threw it if she don't make the payments they'll take her vehicle.

@aimeewhitt1, look up the details of a bankruptcy before hand. They can take her house, her car ect to pay for the bills she is bankrupting.