Cherylyn says she’s around $25,000 in debt and has maxed out all 17 of her credit cards, but instead of paying them off - she just throws the bills away.

TELL DR. PHIL YOUR STORY: Does a Friend or Family Member Owe You Money?

The 19-year-old says she blames her mother, Joey, for her behavior. “I mean she’s given me everything since I was born. She raised me into this.”

Cherylyn claims the money she owes isn’t “that much,” and says she could get a job to pay it off.

When Dr. Phil offers her an immediate solution to clear up her debt, how does Cherylyn respond? This episode airs Wednesday.

Click here to find your local listing.

TELL DR. PHIL YOUR STORY: Fighting over money?

Woman Denies Boyfriend’s Claim She Took His Financial Information So ‘She Could Purchase Stuff On The Internet’