I just lost my whole entry-no cat tail to blame, I didn't hit delete. Here we go again:

For years I wondered: How did she do it. Oh, I know she had help. I know she didn't do the remodeling she planned, she didn't fix what she wanted, didn't decorate and buy new furniture. But she had a house of her own at an age much younger than her dad & I. She had it together.

Now I know, she was hanging on by her fingernails. Now the nails have broken and she can't do it anymore. She wants to have a baby with her husband and she can't if their noses are barely above water and not in the house that need plumbing and window and foundation repairs they can't aford to fix. She has done her homework. She has talked to people abouth the cost of the repairs. she has looked into fixing it all themselves. And realized that it isn't going to be something they can do.

Then she started looking at what they can do. The house is only in her name. His credit is stellar. She did research. She talked to a bankruptcy lawyer, can she do this, is it legal, can they protect his credit-hers is shot anyway-can she keep the car-need for work, let the credit cards, the house go-under bankruptcy. And after while, buy house in his name only. S-I-L has agreed to talk to attorney to see what can be done. He is tired of house too, of shower that doesn't work, plumbing that won't get fixed easily, windows, and foundation. And he wants a child with her. They can't have that there. Every other time this talk came up with him, he shut it down. Didn't even want to talk about it. Now he sees her point.

Hubby & I agree, they can live in our house if they need to vacate her house fast. DD comes before renter. We are on a month to month. Renter talking about buying her own place anyway. We will probably be helping DD with attorney/bankruptcy fees. DD will be one filing, not S-I-L, IL is not community property state (thank goodness). Hopefully they have separated the checking accounts.