That could help with the medical debt, but not the personal debt which is far more. Thank you.

Oh, I think that a credit counselor can help with much more than medical debt. I think that pursuing one is an avenue that you should explore, if you don't mind my saying so.

I'm just throwing some ideas out here for you. I have been through this sort of thing a number of times over the past many decades...

Well, what I mean is they can't do anything about the debt owed to family.