<prompt> Human: My wife and I are needing some advice. Her parents are divorced and her mother is struggling to keep a job and keeps getting herself into debt. She owes 11,000 on a 2006 Jeep Renegade with 17.5 interest. About 2,000 in credit card debt- all of which are past due or in collections and above the credit limits. Shes been using pay day loans and spending her money on things that she doesnt need. Overall, shes well over 13,000 in debt with a 441 Transunion Credit score. Shes already declared bankruptcy once, about 13 years ago. She blew through 60K of retirement that she got from a settlement in the divorce. She just got let go of her job as a caregiver because they didnt have enough hours for her Needless to say, shes been let go from almost every job that she has ever had- most of which last weeks to a few years max. Shes 60 with no money, no job, no retirement and submerged in debt. Any advice on how to help her when she keeps repeating the same mistakes? Has anyone else dealt with a situation like this? We are not able to be, nor should we be, responsible for her financially. We have two small children and are hoping to purchase a home in the next few years.Thanks in advance for your advice!Sincerely,Fed up with my Mother-in-law  <response>: If she cantwont hold a job, then the only real help she can get is:Declare Chapter 7Live off of Social SecurityStop making Car Payments. Get a cheaper vehicle. Preferably a nice used one that does not require debt to purchase. If she was married for over 10 years, then there are some Social Security Maximization Strategies she could use if her ex husband makes significantly more money than she did. Does she own a home, rent, or does she live with you? 