ANSWERS: 2
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What are you hoping the lawyer will be able to do for you? It sounds like it is undisputed that your mom owes the money. If this is so, the CC company will receive a judgement regardless as to whether you have an attorney or not. The CC company has to obtain a judgement in order to garnish your mothers wages, or put a lien on her property. It sounds to me like you should be hiring a bankruptcy attorney or a credit counselor. If they CC is only seking what your mom actually owes, hiring an attorney (even a cheap one) is just a waste of money.
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I think what your mom really needs is advice on debt management. http://credit.about.com/od/reducingdebt/a/toomuchdebt.htm
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