<prompt> Human: Hi everyone. I wrote about this in my community thread Maryland and they recommended I post it here, to experts on this topic. My problem deals with me being so young and trying to get a loan to pay off my parents debt. Read the situation below if you would like, or the questions are at the bottom. I appreciate your time reading my post and any help or assistance you can provide. ---It pains me to have to write about something like this on a forum, but we live in this day age where I guess it is more acceptable. So here it goes...My family has suffered a lot of turmoil over the years because one of my siblings had to get serious surgery as a baby to survive and a few more surgeries continuing into his youth. Medical bills were astronomical.. actually, astronomical is an understatement. Since my mother had the better insurance, my father has had to quit his jobs many times to care for my sibling; take him to all his appointments, etc. Im sure you all heard of pre-existing condition in insurance, well.. my mom could then never quit HER job, because no insurance companies would cover my sibling because of all of his medical problems. Talk about a dilemma. Other family crises occurred and my dad always had to be the one to help out, because my mother couldnt quit her job, she had the benefits. My dad finally had a great job in home improvement but when 911 happened he was laid off. He does not have a college degree, even though I personally think he is a brilliant man, kind, and reliable, so it was hard for my old man to find a job. Since 911 he has been a self-employed handyman, doing everything from paint jobs to other home improvement. The problem is, my father isnt the most organized and he is also very old school. He has people he needs to bill from over 4-6 months ago, and doesnt have the time to compile and send out his bills while doing current work. It is very hard for my parents to make ends meet bill-wise. Now that I and my siblings are older, my dad has more free time because I can help take my sibling to his doctor appointments. My dad would be a perfect candidate for a 9-5 job now.As a 22 year old, I just recently graduated college Im a first generation college student and was never informed of all of their problems. They hid it from me, ashamed. But now it is nipping us in the butt. They have so many bills backed up that they are behind on, I am afraid we are going to lose our house. This scares the living crap out of me.Ive tried really hard to help them as much as I could. I have been working on my own company out of my basement and I am now making more than I ever had in a real job. On top of trying to pay off my 100,000 in college debt I am giving every single penny back to them to pay for all their bills and try to get them caught up.I finally was able to get in touch with some debt collectors today, and it turns out they are over 50,000 in debt and may lose the house. Its only a matter of time. Because of my good credit score from running my own company I checked it online, its a 725.. is this good? I am hoping to take out a loan for them to get them situated but I know this will not fix the problem. I know my dad cannot handle being a handyman anymore. He needs something where he doesnt need 1,000 tools and personally hand write all his bills. Literally, any job where he is paid a wage and issued a paycheck is better at this point. He just needs some uniformity in his life. I think that will alleviate their financial distress and I also plan on working with some financial advisers to get them set up on a monthly affordable budget. It also makes me want to cry to think that my parents are nearing retirement age and are about to lose their only home. They are good people that just are too in over their head. Im sure many other people are in the same crisis right now, and I feel for you and am right there with you. But I have no idea what to do. I am calling a foreclosure lawyer tomorrow and also meeting with a bank to try and get a loan to help them, but I am just so scared about this uncertainty.So a few things to close this up: 1. If ANYONE out there is hiring in Maryland - Baltimore County preferred, please let me know! My dad is SUPER AWESOME! Hes shy, but hes a very humble bald-headed man who is very intelligent.2. If any of you could help me figure out where to get a loan, I have no idea where to start. Do I have to get multiple small ones? Or one big one? Does it even work that way? 3. Has anyone been foreclosed upon? What are some things I should do? Should I call the attorney?-- UPDATE -- 4. After speaking with the bank, they tell me that I should try to get a remodification on the loan, but if that doesnt work I will probably have to Buy the house from my parents to get rid of the debt. They werent sure if I would be able to get a loan for that amount. I am just asking for any assistance or advice. Thank you in advance, I really appreciate it.---EDIT 1: Someone suggested I add this for clarification, the 50,000 owed is to make the mortgage current. According to Wells Fargo they need the money in FULL, in order to re-instate the loan. I cant pay it in increments.  <response>: Please dont get a loan for them. Much as it sounds like a good idea, taking on debt for family never works out. The only good way to lend to family is as a gift: consider the money given, and if you ever get it back, its a pleasant surprise. Anything else will seriously strain your relationship. 