The bills are rarely the hard part. The hard part is the payments nobody remembers setting up, the ones that draft from her account every month without a bill arriving first. When those payments move to a new person or a new account, some fail at once and some fail quietly a few months later. Make the full list before anything moves.
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Pull every recurring payment
Go through three months of statements, both paper and online. Write down every recurring charge: utilities, phone, internet, insurance premiums, streaming services, memberships, donations, and subscriptions she may have forgotten. For each one, note the amount, the day it draws, the account it draws from, and whether it is set up by automatic draft or by card.
Sort them into three piles
Put each payment into one of three groups: must keep going without a gap, can pause for a cycle, or should stop. Then ask the company what happens if a single cycle is missed. Some services shut off on the first missed payment. Others allow a grace period. Ask in writing when you can, and keep the reply with the list.
Ask who the company will take instructions from
Each company decides who it will deal with. Ask whether it will accept payment from someone other than her, what it needs on file before it will talk to you about her account, and whether notices can be sent to a second contact. These are questions for the company, and the answers are its rules. Do not assume a rule that you have not heard from them.
Watch the first cycle after any change
The first month after a change is where things break. Check the account the day after each draw. Look for a draft that bounced, a payment that went through twice, or a notice that went to an address nobody reads anymore. Set a calendar reminder for each recurring date so the next cycle does not catch you by surprise.
Do not move everything onto one card until you know the rules
It can be tempting to put every charge on one card to simplify the list. Before you do, confirm which payments the company will accept that way, whether a card change triggers a new review, and whether any service treats the switch as a new application. A simple list with the dates and the answers is worth more than a fast move.
Keep the list in one place, update it when something changes, and show it to whoever helps you with her finances so they are working from the same facts.