Since your score is a below average. The only good thing out there is to use Debt consolidation. But Juliem, since is your mom and not you, you should ask her to remove you as a authorize user first. Than, and only than juliem, you used Debt consolidation. An important thing do not close the accounts. The best way for to help her, it is helping yourself first. Your scores are not too bad. If you remove your name and your scores gets higher, you could help her by getting an unsecured load or if you have a house or a car, you could get a secure loan. Than, you could use the loan to help, because your loan would have a lower Apr than what she has right now on her cards(I am assuming). Help yourself, before helping her.
