Konfuseeed is correct....plus, she needs someone who she can talk to. Again, I'm no expert, but I wouldn't doubt that at least a part of the conversation between her and her friend is that the house payment is behind and the man of the house doesn't have a job.
I'm not saying this stuff to harp on you, but with my own situation (which is improving) and much much time I've spent researching about WAW's, the financial component is HUGE.
