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. 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. The print version of the DebtSmart Magazine is FREE to whomever requests it.