What is the name of your state? nc my 80 year old mom, who has been widowed for 40 years, has run up over 12,000 dollars in credit card debt....she actually owns nothing for this happened about 10 years ago and we had to sell her home to pay off the debt (40,000 then) she doesn't own a car either....the only income she has is social security...can the credit card companies touch that? i have moved her in with my husband and me and will be in complete charge of her finances. i just wondered if the credit cards could start taking money from her checking account. thank you.