<human>: Summarize the given text in a few sentences.

Hi folks,

My current situation is weird, but please hear me out, I could use a lot of help.

So my mother is a single parent, who lives with my grandmother and my sister. My mom works 2 min wage jobs, make roughly $1800 a month and my sister makes roughly $800 from her job (min wage as well). I'm away at college, and basically I take care of myself. My sister put $6700 worth of debt onto one of my mother's cards and (I just found out) $7000 onto another card. My sister basically takes care of our finances and my mom has no idea. The debt is from when we were going through some rough times (both cars broke down, grandma's dental bills, ect). Yelling at my sister won't change much, I basically want to get my mother out of this debt.

We have roughly $7000 in a savings account, which my sister hasn't been using to pay the debt off because she thinks we may need it in case something else goes wrong (I've been urging her to use at least some of it for the debt). Our rent/utilities come out to be roughly $1600 or so per month at the moment. Also, after taxes my mom and sister should receive about $6000 in tax returns.

Can anybody lend me some advice about this. My mother has virtually no idea of finances, my sister clearly isn't handling this properly, and I'm just getting overwhelmed and dealing with my sister crying on me every time I bring this up (I love her to death, but I'm also stressed as hell right now).
<bot>: 14k credit card debt (7k ea on 2 cards), 7k in savings, $2400 monthly income, $1600 rent/utilities/gas.  HELP!