<prompt> Human: My father-in-law has declared bankruptcy twice and is still managing to stack up hundreds of thousands in medical debt. My mother-in-law is losing her mind considering taking on a second mortgage on her home just to pay for her impossible lifestyle. I am essentially the only person related to them who has any financial means. When they inevitably become too old to take care of themselves and have no finances to support themselves, what is my best move? Is there a risk that they could pass on their debt to their daughtermy wife?  <response>: Debt cannot be passed on to your wife unless she is a co-signer on any of it. 