Recently my mom opened up to me and my brother about the debt she's been trying to deal with the last few years. TLDR her mom was very sick and she flew to see her twice in 2019 (one time pretty last second so it was $$$) and she ended up dying that year so we figured it was worth it. What I didn't know (she didn't realize either) was the small payments she would make here and there were below the minimum payment so the balance continued to increase. Looking at her statements it went from ~13k in 2019 to 19k as of a few days ago. She works and gets paid decent but between that other bills and an old card she's been paying down slowly (actually paying down for this one lol) she fell way behind. My brother and I cleared her other debt and are taking over more bill since we have good jobs now but we don't have 19k and the minimum payments are huge naturally.

What can we do for her? I've read more than once about and even heard ads for places that help consolidate debt. Reduce the balance, interest rate and all that? Is that really true? Any advice is appreciated. We live in Ontario also if that helps.