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Regarding "We are also wanting to know if BM has the disorder or has any other psychiatric issues in case it is relevant to custody issues. If she is not stable, we will file for a custody change so SD can live with us unless BM gets treatment"  ----- absolutely not the way it works in family court.  You don't get to go into court and say  biologicalmay have  mental illness therefore we want her tested or want custody till she gets help.    Only if Mom displays signs that actually cause problems or put child in actual harms way would this ever be an issue.  You can continue to teach the child coping mechanisms, but you also have to realize your coping mechanisms are not the only way to deal.  Dramatic hormonal teenage females can develop into "normal" adult females.

I agree with MB....the creditors are not a party to your divorce agreement and they can and will go after whoever is legally required to fulfill the debt obligation.  If it was a joint account, they can and will come after both of you.  You can pay the debt and then file for contempt in family court, based on your agreement, and ask she have to repay you.  You don't want to let it sit based on the fact she was supposed to pay it, because your credit will be trashed by that.

If you are busy or have plans, have daughter return the call when it is more convenient.  If you aren't busy, let the child talk to her, but your house, your rules.  That being said,  Momoftwo is right though, don't ignore court orders. Make sure you comply with any orders set forth.