Not much mind you, but I have a bit of sympathy. People in love do foolish things, and the bank should have stopped them from getting the first loan.

But running up their credit card bills and taking advantage of credit overdraft loans are stupidity. You don't have to be an economist to keep away from that, anybody with the least sense of math should realize that is a bad idea.

And when they did get in trouble, going to Bob for help was the wrong solution. A more sensible financial adviser would have suggested selling the house and moving into a cheaper one. Use the difference to pay off their debt and set some aside. They probably could have gotten all of their problems in order in one step if they had done that.

Jay