I should add that my MIL has NEVER been good with money-she's gone through at lease one foreclosure and bankruptcy. She is now 71 and was recently diagnosed with Alzheimer's. My husband and I have POA, but we shouldn't be tied as guarantors, should we? No one is disputing she owes the money... She had borrowed about $60K at first in 2000, then borrowed another $6K in 2006...and she stopped paying her friend altogether in 2009. We just sold her mobile home and was able to turn over all $15K to her friend, so that knocked it down a little. My MIL gets about $14,500 a year in SS and that's it. She has no other assets now that the MH was sold. She is living on another friend's property while my husband and I search for a suitable facility as she is declining in her memory pretty quickly. Any advice? We live in CA if that helps. Thank you for your time all, I've been visiting the site for about four months now and it has provided me and my husband (her only child) some comfort in that we are not alone in dealing with an aging parent that not only was never fiscally responsible, but now has this disease.