<prompt> Human: Hello All: looking for adviceI we made the mistake of borrowing money from family. While the common issue is family never pays family back, our family is using it against us. I have gone into even more debt trying to get them off my backs and 35K in total now with credit cards and the loan to family.I want to find a low interest personal loan where I can pay 500 a month versus 500 to the family, plus credit cards. Is this a bad idea? Ive been tracking money, cutting extreme costs, plus we took a 900 a month pay cut. I am unable to work due to my sons health conditions where I am fighting the joyous state of California for SSI for him to help cover some of the medical costs.My inlaws are charging a very high interest on me and I can not keep living with the shit they pull.Suggestions?Assistant: Did your in laws and yourself agree on the interest rate when borrowing? If so I gotta ask why borrow from them and not a bank? Did you sign any agreement with them? Or did they just randomly decide to start chargingup the rate of interest?Human: We agreed 2 was fine, verbally when they asked. It has since increased drastically.  <response>: I would go see a lawyer. If there is no written agreement and they pulled this stuff you might not owe them anything. 