Reply to “I’m destitute, and I need you to solve this”

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[quote=Anonymous]1. Stop paying the credit cards. Stop taking their calls and make no more promises to pay them. Try to abandon that debt. If she can escape the payments for 7 years she’s free and clear I think. If not They can try to sue her or chase after the estate. Pull a jury and look destitute if they sue.

2. Should’ve been #1 but whose credit card debt is this? Is it hers or your dad’s? Make sure it’s hers before she makes another payment

3. See if she can refi the mortgage. Do that BEFORE she stops paying the credit cards obviously. What is the rate and payment on the house and how much is left?

4. A roommate is a bad idea because she will get scammed. But if the house is in great condition and is rentable, a management company may be able to rent it for profit to pay the mortgage and rent for a studio/1br. Or again pay a management company to manage renting if she needs a roommate.

5. She sounds eligible for food stamps, utilities assistance, and other benefits. Get her signed up for that stuff if she can’t afford food[/quote]

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