Dunno in just testing

I dunno what the loan was for. It was taken out in 2002 or 2003 Will says. Most of my noters think it must have been a house thing cause of the large amount but I couldn't exactly say.

I feel bad for his parents cause they bought a cute house in a nice neighborhood almost 40 years ago.

Now the neighborhood has fallen down around them so badly there's shootings right on the corner. Have you seen on the news the 12 yr old girl that was killed by a stray bullet while riding her scooter? THAT'S RIGHT NEAR THEM. A situation like that could easily happen to their family.

Plus tazes keep going up and up in their area and nobody can figure out why because their potholes are craters, they have barely any police presence, their streets aren't plowed in snow storms.

When I say ghetto, I mean GHETTO yet his parents can't afford the taxes.

Also, they're both disabled. His mother has back and leg problems. She used to work at a factory but he ailments got so bad she couldn't work. She needs a couple of surgeries but is afraid to get them so she's in pain daily. And his dad got a mysterious and sudden disease - I forget the name - but it thins and hardens the tissue inside and out. It mainly affects his hands. He worked at a factory once too but his hands became so hardened and inflexible that he couldn't work anymore so he's on disability / SS too.

So low income with taxes rising made them take out a crazy loan.

I dunno why they couldn't take out the loan directly - and they couldn't get t through Will's older sister because her credit debt was already crazy even back then. So they used Will. And Will said OK cause his parent's needed the money and he never thought it would come back to bite him like this.

And I'm sure his parent meant to pay it off but they're really broke. They have car loans and mortgages and they're also housing his sister and her son cause she doesn't make enough to move out.

I've asked Will to tell his parents to go back to the bank - or any bank to get some kind of deal on the payments. Or to somehow get him off.

He said his parents have tried to talk to different places about this loan but it doesn't seem to get anywhere. And he can't get off of it cause with his parent's financial history, they wouldn't count on his parents to pay it.

But I mean basically when I try to find solutions to this problem he gets upset because it requires HIM talking to HIS family about it and he doesn't want to do that cause it's hard and embarrassing to encourage your parents to pay their debt when you know they're broke.

Will's parents do not own their home and with all they owe they'd have to sell their house for MUCH MORE than anyone would be willing to pay because of how bad the area is. They don't own anything really. Not even their car. I think they do leasing. But they may keep this car instead of trading it in at the end of the lease.

I doubt they have much savings.

They WANT to move away from that area but they can't get out from under the house. They also would rather live in an apartment where they don't have to take care of a lawn, etc.

It's sad but the only future I see is them eventually dying still being in that house and us getting no inheritance, only bills. I don't even know what his sister is gonna do. I mean, I don't hope his parent's die soon. I guess their in their 60's now. His sister just filed for bankruptcy so with her loans forgiven she may be able to save something for herself because she's going to need to move out on her own when they go.

The only way Will could get out of that loan is by fighting his parents and putting that debt on their shoulders which he would never do because he respects them so much. Yes, this loan was a shitty move but his parents - when healthy - worked 2 jobs each at times to support their family. They never had much but his parents worked hard for what they had. And though the neighborhood has fallen down around them, they are not ghetto. They are polite and respectable and had good ethics and morals and Will really appreciates his parents - esp. seeing the parents around him who stay in the streets, don't care for their kids and are cursing and yelling and playing filthy music infront of their babies. His parents are so kind and family oriented and he just would never create any hardship on him.

It's just a bad situation.

My mom is all pissed off, I did tell her and she's worried any money I might get from her death would be sucked into the debt of my husband, created by his parents. And it might be. His debt is my debt. And my inheritance is his too. And if we get money and creditors take it - what can I do?

I kind of don't want to think about it yet I have to think about it cause not thinking about it won't make it go away. Yet thinking about it doesn't solve anything either.

I just got out of my own debt and Will fell into some and then the bomb drops that his family has laid $140,000 at our feet. We'll never be free but what can we do? Esp. with Will not willing to work on this. He just wants to wait till they die and pay it off. Cause it's too uncomfortable to try and work on anything and it's not my place to bring It up or tell them to talk to this and that bank and stress them out to work on paying quicker.

They don't take trips or have shopping sprees. They just don't have it.