she should consider bankruptcy go see a bankruptcy attorney .i don’t know how chapter 7 is now after 2006. but it sound like she needs to file.
if she just stops paying a collection agent will take over the account and hunt her down. att credit card did this to me and the collection agent forced me to file(the company was in san diego) . i got a letter from chula vista sheriff and said i had a court case to see if they would garnish my wages. as soon as you file with a bankruptcy lawyer all suits against you stop so do the calls. you just give them your lawyers number it cost 50.00 to start about 1000.00 to file your case in court .(auditorium wirh a dude from the court last less than ten minutes)
