Sounds like she needs to consider selling her Condo, even if at a loss, before
prices drop even further, as they are expected to do. Condos here hadn't
been selling until the $8000 Gov gift to either new buyers or repeat buyers
who haven't owned property for 3 yrs. Now, 8 have sold in 3 months. The
program has been extended until end of April 2010.
Then she needs to pay off as much of her credit card debt as possible, put
herself on a strict budget, continuing to pay down her credit card debt.
Until She takes some drastic steps no one can help her.