The credit card holder is responsible for the debt. If it is the parent, they are the ones that should pay it. If it is you, you should pay it. If there is no money, you may have to declare bankruptcy. The account holder is responsible for the debt. Social Security and most private pensions are exempt from creditor attachment. It may be that they are "judgment proof" meaning that he or she (they) do not have assets or property that can be attached by a judgment creditor. The best option is for the person to consult with an attorney who is qualified in debtor-creditor or elder law before they consider any other action especially bankruptcy.