I'm certainly not advocating paying the debt. I'm saying dodge it. But she still will have difficulty saving up for bankruptcy. With the little money she does

I'm certainly not advocating paying the debt. I'm saying dodge it. But she still will have difficulty saving up for bankruptcy. With the little money she does get, she has to pay for transportation, food, communication, and health and auto insurance. Assuming she abandoned the RV she could maybe find one of these cheap Chicago sublets (which I assume are not in a food or transportation desert) and start saving money (assuming creditors can't garnish social security or pension). But she would still get hit with the occasional emergency bill, extending the time it takes to save. Once she finally saves enough she can go through bankruptcy and probably be successful. So then she could in theory just continue living in the sublet, or wherever in the country has the cheapest housing, until she dies. It's not a very promising life to look forward to, and I don't know how many people would really just stop what they're doing and go full-on monk to recover over this kind of long term process.