<prompt> Human: Due to a failed business investment my parents have fallen into a very deep hole of debt. They opened up a combined total of twenty credit cards to try and save their business and now my mother is stuck paying an outrageous amount of interest every month. My father is in debt 60,000 and my mother is in debt 40,000. My mother is now the only person bringing in any income. My father is unable to work. If all we had to worry about was the debt in my mother names, then we would be fine. Its the debt in my fathers name thats killing us. We really dont want to give up our home so we are looking for an alternative solution.  <response>: Have they considered declaring bankruptcy? In the US in some states, they might still be able to keep their home as it could be considered a homestead. While bankruptcy pretty much kills ones credit, there might not be an option at this juncture with the dire picture you have painted. 