<prompt> Human: My mother does not have a good track record with finances in the past 10 years after her then fiance passed away at 40 years old. Since then, she has been employed at various grocery stores despite having a college degree making slightly above minimum wage, her wages are garnished due to old credit card debt rulings taking about 300 from each paycheck and deals with alcoholism and depressionanxiety. nbsp;She has been single since losing her former fiance, and I am an only child with no other siblings to help out with the situation. She is also an only child, her parents have passed, and most other relatives she has lost touch and they live in another country. nbsp;Her single-family home is going to be foreclosed upon due to about 12k in backdue property taxes; the mortgage was paid off by her parents. This same situation happened about 6 years ago, when I was still in college and she had to take money out of my college fund to pay for the overdue taxes. The house is in horrible condition, its appraised at about 100k but due to its condition would probably fetch much less - it needs a new roof, the garage door doesnt work, there are half-done renovations in the living room her then fiance started, etc. nbsp;I am at a loss for what to do. I am torn between trying to take charge and figure this all out for her since I am the only person in her life and letting her be an adult and figure it out herself. nbsp;I contacted an attorney who specializes in foreclosures and used to work on debt consolidation. She recommended my mother apply for a state foreclosure emergency loan -- she did, but this program only applies to homes with mortgages, not property taxes. nbsp;Ive tried talking to my mom about this topic but she basically flounders between options: 1: She sells the house as-is, pays off the property taxes she owes, uses remaining money from selling home to move elsewhere where cost of living is cheaper. Realistically with no mortgage payment, this situation is probably the cheapest living situation she could have in todays day and age. Could possibly need me to take out a personal loan in the amount of the taxes to buy her more time to sell the house, or not. She was worried about not being able to find a real estate agent who would sell a home in such disarray but I told her to call anyway and ask. nbsp;2: I take out a personal loan to pay off the property taxes and start chipping away at those, she contacts that aforementioned attorney or another to work on figuring out her past credit card debt and wage garnishments the amount she is getting garnished is basically the amount she needs to pay the yearly taxes each month. Probably move back in with her in a year once my current lease is up, hopefully finding a comparable job to what I have now. nbsp;Option 2 sounds more sustainable in the long-run for her, but it also requires me to take out a loan on her behalf, which scares me. I make about 45k currently, which will rise to about 55k in the next couple of years where I am at now. I am in the education field. Any insight about possible solutions and people we should be contacting would be extremely helpful... thank you.  <response>: Shes had 60yrs of bad choices that led up to today. Dont set yourself on fire to keep her warm. Definitely dont take out any loans for her. If you could just pay cash to help her thatd be one thing, but loans? Forget about it 