Thanks, I will have to get those details. From my understanding, she had 30k debt at the start of this. She wanted to protect her car (worth 5k) and house. She has a pension that I understand to be untouched at 2400/month. My advice from the start was to sell the house and move to something easier and cheaper, but she refused. if you need more details than this, please let me know. I will be talking to her at Easter dinner.