[quote=jpinpb]Yes. That is what I figured. So the 500k question. What the hell did she buy in 2 years to run up her credit cards this much? I mean the biggest expense most people have is a roof over your head. She’s living there for free. So. what did she buy? Is she on drugs? Maybe that’ll explain everything. [/quote]

Actually, if you max out your credit cards (3-4 of them), and make the minimum $20/month payment, pretty soon in less than 5 years or so, you potentially are close to $100k in CC debt. At the point of max out, I suspect she took her mortgage refinance, and paid off part of her CC so that she could reuse the credit.