<prompt> Human: My parents are in a really tight spot my dad is a real estate agent and didnt graduate high school and my mom has to take care of my grandma everyday and has no time for an actual job. These are their monthly expenses Car 1 payment 650 both cars get 12mpgowe 13,000 on this car Car 2 payment 440 owes about 1500 this car is continually breaking down and is worth nothing now. Auto insurance 600 House Payment 3,200.00 TV and Internet 115.00 Auto Gas 1,000.00 Electric 150.00 Phones 350.00 Toll Road 45.00 Gas 150.00 Sisters Rent 1,000.00 Association 70.00 Gardner 100.00These are their debts about 2,000 in credit cards about 700,000 on the house about 200,000 to the IRS cant file bankruptcy because its income taxIncome My dad does real estate and that means income is not consistent and it makes it hard to plan ahead. My mom gets 2000 a month from helping my grandma My parents have no money saved and live paycheck to paycheck. Let me know if you need anymore info  <response>: What is your question?At least Car 2 loan is almost paid off, freeing up 440 a month.1K a month in gas sounds crazy, even for a realtor.I also assume they spend money on food and house hold items...About how old are your parents? 