You have not provided sufficient information for real advice. What are her living circumstances, employment and income details, commitments aside from credit cards etc. Does she have assets – equity in property etc., as a second mortgage or equity loan repayment carries far less interest than credit card repayments. There needs to a realistic appraisal as to whether she can get out of this, if not a voluntary bankruptcy might be a viable approach. It would mean that she will not get credit again for a very long time, but it might give her a chance to get back on her feet.