Hello- Here are my questions. My mother-in-law and stepfather-in-law live in Colorado and they are retiree's (old, very feeble and have memory problems). They currently live off of social security. My brother-in-law recently discovered a massive amount of credit card debt of which they cannot remember how cash advances and so much debt had transpired. We do know they are paying 29% interest and that tells me they must have had some late payments overtime. Paying these credit cards is taking up almost all of their income and they barely have enough money for food. The family concerns are how to handle this recently discovered debt. Will the family members or their very meager estate be legally responsible for the debt after their eventual passing? Are their any laws that protect seniors from credit card debts in any way? Any suggestions on how to handle/negotiate the debts with the credit card companies to reduce or eliminate payments? We need to help get them out of this mess but we are not sure how or where things stand legally/laws. Help.