<prompt> Human: Hey all, Some details to start off. Im 29 years old, working a stable and decent paying job 66k CAD. I have very little cash flow atm due to my parents unloading their debt on me. Upon finishing university and getting a job, parent revealed they had around 80k debt. After many years of making minimum payments, I managed to refinance the house and clear 50k. Yeah my mortgage went up a bit but it was better than paying minimum payments. There was about 30k left that I need to figure out what to do with. That entire amount is in my moms name. Parents are asking me to get a line of credit or HELOC in my name and take that sum. Dad filed for bankruptcy many years ago and mom is unemployed. The options Ive been thinking about:- get a line and transfer balance from cards to that cons: debt will be in my name and Ill have to pay 2-3 minimum per month - Get a HELOC and do the same cons: lengthier process and higher legal fees, and debt in my name again - tell mom to file for bankruptcy she can physically no longer work Ive also tried to tell parents to sell the current house in my and my brothers name, get some money and pay off the debt but they are unwilling to sell the house. Are there other options for me here? I realize the debt is not mine, its my parents, but my father filed for bankruptcy and my mom is unemployed, I feel the need to do something here.  <response>: Stop enabling them. Whats wrong with you. 