<prompt> Human: My wife and I have been blessed to have steady employment, a house, and savings. However, my sister and my mother-in-law have not been so lucky.Right now, they are both working and doing OK, but what are our obligations if they incur huge medical bills, credit card bills, etc in the future? Can bill collectors come after the family? Weve never cosigned for anything for either of them.  <response>: You have no obligation for their debt if youre not a party to their debt i.e. a cosigner. 