Get different credit cards to use going forward.
She has 3 choices.
Pay it off.
Stop paying the 20k. Wait a bit and contact CC co and offer a settlement in lieu of bankruptcy. Offer 5k for total payoff. Get IN WRITING a paid in full agreement, along with requirement to report favorable to her credit report. Then move on. Do not allow any access to bank acct. Send bank check (or CC might suck out all bank acct funds available). Credit score may still be hit hard.
Third choice is bankruptcy. Stop paying on all CC since it will go away anyhow and not need to be paid. Future CC access will be easier than now because she cannot discharge any debt for 7 years.
Reality is that none of these choices are very good. Hope this helps. Hard life lessons learned in the worse way.
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