If they really can't raise money or cut expenses, Lisa might want to consider contacting a non-profit credit counseling agency. There are a number of good ones available. It will be a black mark on their credit history. But, it's better than falling even further behind and heading towards bankruptcy. Lisa is definitely in a bind.
Debt is a cruel master.
Card issuers really don't care how hard it is to make the payments. They live in a 'bottom line' world. Either they collect the money owed or they have to write it off as a loss. And no one likes losses. That could be enough to begin to resolve this crisis and start the recovery process.