Mom with dementia needs to sell underwater house in MN, but there are cc/loan court judgements against her. I need advice! Hi, my mom was abused by my deceased father for 40 plus years. As an escape she became an addicted gambler, racking up 20 plus credit cards, a loan against her investments, a loan against her life ins. policy, and a second mortgage. She worked 7 days a week until into her late 60s to keep up with minimum payments and gamble. In 2007, she was injured and placed on disability and had to stop working. At this point I, an only child, took over her finances for her and tried to get her help. She gambled her entire retirement away and sold off all of her assets to gamble. Basically at this point, she only had social security coming in, and was able to keep up with her house payments. She did not claim bankruptcy. My father passed away in 2011. She is getting about $2300 a month in SS. She survived okay keeping creditors at bay. She was recently diagnosed with Dementia and Parkinsonism, and she eventually will have to leave this falling down house that is totally underwater. I have full POA and have to make all these decisions for her. There are multiple court judgments against her that I am told will come into play when she tries to sell the house. I had a realtor look at the house, and there is a chance that she would get enough money out of the sale to pay off her mortgage and fees and pay me back for a bankruptcy that I am assuming would have to be done prior to putting the house on the market. I have a county Medicaid MN choices assessment set up for my mom, but I believe she makes too much in SS to qualify for this, but there may be some help she can get if she qualifies for "Alternative Care". My big questions at this point are, how do I sift through all the paperwork concerning her debt to see if any is tied to the sale of the house that wouldn't be erased with a chapter 7 bankruptcy? If she claims bankruptcy, will it be hard for us to find a senior apartment for her near me? If she ends up foreclosing on her house, will it be even harder for us to get her into a new living situation? We are willing to cosign on a lease, but can't show $1000 of disposable income to put towards an apartment. Like I said, she has $2300 from SS each month. I am thankful for any advice, it is a tragic and complicated situation. I am also looking into getting free law help for her. I do not have the funds to pay for a lawyer for her. Thanks.