She has some SSA coming in and some health insurance, but the credit card balances are very high. We are worried that she will get hit with big medical bills (above insurance coverage) or that when she passes away, the credit card banks will demand we pay her credit card bills.
CC by their nature are unsecured debt.
If there are any assets, then they get in line ahead of family, but if there are no assets they get nothing, the family is not responsible to the deceased cc debt.
We are facing a situation where a person paid their cc, but not enough income tax.