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Another option is that she can go to a bankruptcy lawyer. Go to the ones that give free initial consultations. I suggest visiting several. They can also help her find a solution to her debt problems.

But to pick one credit card and pay it off and switch her phone number is the worse advice I have ever heard.

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Please go through the terms and conditions and there is a provision to freeze all your bank account and other credit card facility if any if the concerned credit provider proved to the court and get the proper orders from them and then your friend will be in real trouble.I would advise you to start paying something to avoid further action by them.

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not true

creditors will find remidies, and the one she keeps will also find out and cut her off

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Is this true?

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