Seniors

I haven't a lot of advice to offer, but

Non-profit credit counseling. Supposedly they can help with payment terms, interest rates, and set up a plan that is more in balance with income and monthly expenses. I have no experience or tales to relate.

Some of these are listed in social agencies locally. Your county website, social services might be a good place to start. Or Google. Whether they all refer to the same agency, I dunno.