My brother in law lives with his mother (he's legally blind and death), but has incurred about 20K in credit card debt. He has consolidated all this debt with one of the companies that his credit card company recommended to him. He is on limited income and has found that he can't even make this minimum payment. Since he has no assets, should he just send this company what he can? He's considering trying to file bankruptcy, but I'm sure that is a silly thing to do since he really has not debt other than the one creditor. Any advice?

Assuming your brother in law truly has no assets, then it probably makes no difference. If the creditor obtains a judgment, what can they enforce the judgment on? If the answer is nothing, then there is nothing they can do except be an aggravation.

Filing bankruptcy only makes the creditor go away. Is it worth the cost of bankruptcy to make the creditor go away.

The real key here is absolute and clear knowledge of the existence and type of any assets.

I am not a lawyer, and only the foolish would take advice from someone on the internet without doing their own due diligence. Free advice is worth what it costs. So, don't be mad at me if there is more here than you have described.