This suggestion was for someone you know. Seriously, if their situation can be remedied by working harder, this is what they have to do. Will it work in all cases? No. Some? Yes.

Of course it is hard, but this is the only cure I can think of for a F/B. Walking away? It will work for some, but for families, it can be very difficult to go through. If this situation can be remedied by the dad getting a night job and the stay-at-home mom working a part-time job, this would be a far better solution than walking away, humiliated, homeless, broke, and defeated. Sure, it will not work for people who are way maxed out, but if they cut down their expenses and just need a $1,000 per month encourage them to get a job and stop eating out every night.