Many thanks for your helpful comments. It was an awful shock to hear this alarming state-of-financial affairs from sis.Sadly...I must admit that sis/b-i-l did not slow down for Christmas...she continued to shop, maintaining that credit card debt is his doings, when she spends with cash indulging the children as if nothing is amiss. It seems that they are playing the 'blame game' instead of putting their heads & earnings together in developing a plan to pay-off their bills. Now,slowly being revealed to me, my elderly parents have bailed them out several times & are still subsidizing them. Basically, due to early warning signs that b-i-l had poor financial control...sis opened & maintained her own acct--dividing financial responsibilites...e.g. she covers insurance premiums, groceries, utilities, children's clothes, & yes vacations!!, while he covers mortgage payments, car purchases, home upkeep/repairs. Yes, sadly, it's obvious to everyone but the actual 'debte duo' they have overspent & lived way-beyond their means.After a restless night's sleep, I realize a bail-out will not help them...only a cold-hard look at reality seems to be in the cards for them. Sis seems to hope that I will have a 'magic-wand' solution...but there is none. I will refer them to the National Foundation for Credit Counseling & to TMF, as mentioned in previous responses...but, they need to move beyond the blaming-one-another stage first & really work together on their monster debt.Once again...many thanks...Apache
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