Something I learned from the "other site" personal finance sub: You are not responsible for your mother's debt, do not make any payments directly for any of her debt, or else that's enough in some states for debtors to then go after you.There's other tips and tricks to keep your finances separate from your mother's, don't feel bad looking after yours as the primary priority. Remember: A caregiver that's completely exhausted (either physically/mentally/financially) can't take care of anybody, so remember to take care of yourself first. I hope things get better for the both of us, I'm in a similar boat.