My elderly parents (mid-late-60's) are being sued in California state by a creditor for $10K credit card balance that they are delinquent on. The credit card was used for living expenses. The card is in my mother's name.
My mother is a homemaker with ~$250/month income from SS
My father is unemployed after being laid off from his maintenance job and his unemployment runs out this month. His only income will then be ~$800/month from SS.
My understanding is that SS wages cannot be garnished. They have no need for credit. From what I've read, it seems like there wouldn't be any recourse. For this reason (only SS income and no assets), it doesn't seem beneficial for them to incur the costs of bankruptcy, especially considering they can't afford it.
What should they do?