Daughter Had Disabling Accident. Didn't Know She Had A Credit Card With A Balance. Got A Letter From Discover Threatening To Sue Her If No Payment.

My daughter had a brain and spine injury while she was in college. She is most likely going to be disabled and never be able to work. Accident happened at the end of February of this year and payments stopped in March. She never had a late payment before that and never really had remaining balances. At the time I didn't think to ask for her mail from her university address to be forwarded. I just picked up her mail and they sent a document beginning of November saying "If you do not make a payment on the above referenced Discover Card account before November 30th, 2025, before 9:00pm ET via phone or 12:00 midnight ET via discover.com, we will prepare to refer your account to an attorney to bring a lawsuit against you to collect the entire balance of $3,043.85." This amount is obviously inflated due to late fees as well. I’m hoping they can remove them as it wasn’t due to purposeful delinquency. She has no assets and no wages. She currently has memory problems as well. I called them last night and they said she needed to give me verbal permission, but she was asleep on painkillers after her second spine surgery last week. I told them I'd call back tomorrow (now today) when she's awake.

We have not filed to put her on disability yet nor have we filed for a legal guardianship yet. What is the best way to go about this? Do I need to make payments for her or is it better to not because she has no assets they could even take? No car, nothing. Would bankruptcy for her do anything? I am very low income myself and in my 60s. Her father passed away years ago and I’m a single mother of several kids. Is there any way to get her debts canceled because of this? If I become guardian, can they go after me for her debt? I also just logged into her app and it's closed out now. I'm worried they won't do a payment plan now even though I said I'm going to call tomorrow (now today) when she is awake. Any advice would be greatly appreciated.

Location: Illinois

Edit: No one was a cosigner or guarantor on the account.