I understand that the original amount may have only been $3,000 in purchases, or some other amount. I still say that when you sign on the dotted line, you are agreeing to pay. She hasn't made payments in a year - of course they add interest. If you have a mortgage, can you just decide not to pay the interest - or not to pay for a year, and then settle the mortgage for 1/2 (and still get to keep the house)? If you don't agree with paying back your debts, then don't use a credit card. Yes, credit card companies charge high interest (this is why I pay mine in full every month - it costs me nothing), but that is what you must deal with if you are someone who wants to have things now and not pay for them until later (or not at all in this case).
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