Many non profit prgrams will help lower the monthly amount paid and help get your sister debt free. they will contact the cc companies and ask for no interest, lower payments, etc. — whatever ther companies can do for your sister.
the non profit organization should be able to tell you what to expect from each campany since they have dealt with them before. the non profit organization i went to a few years ago was in south dakota and was associated with the luthren social services and called cccs(credit consolidation counseling services??) they were very helpful. maybe check with your local social services programs?? i feel better about talking to someone in person rather than online myself.
good luck, and i am glad to hear you want to help your sister. god bless, krystal in mn