How can I help my sister-in-law work out her money difficulties?

[caziertm]

She owes about $30k in credit-card debt. It started as about $10k several years ago, but it got out of hand, she couldn't pay it, and completely stopped paying the cards altogether. Now with fees, etc she has about $30k of pain. She won't even talk to the companies anymore. She can't declare bankruptcy because it no longer applies to credit-card debt. She has some psycho-therapist who has told her she doesn't have to work any more because she has mental problems (I personally do not believe this). Once she had that in hand, she started pulling disability.

Now my mother-in-law pays for her apartment, and she pays for her own food / entertainment. She spends most of her day playing video games and watching DVDs. She won't even think about getting a job because "if she ever gets sick, she won't be able to go to work, then she'll lose her job, then she'll get depressed, etc. Why even bother getting the job?"

How do I help her?