I agree. Breathe! You do not need to respond right away. This can wait for a day or so. In fact, I'd sleep on it until the day after Christmas. This mess has been brewing for quite a while and there is not quick or easy fix to it.
I don't know what your daughters are doing in the way of employment, but they are going to have to help out when it comes to their expenses. The one I believe is in college...but what is the older one doing? She's old enough to take care of her own expenses even if it means working in fast food place until something else comes along. You can't squeeze money or blood out of a turnip. The well is running dry very quickly. You and your h can't continue to rescue them financially because there is nothing left and you need to survive as well.
Again, I am very, very sorry that snowball is going down hill very fast, but the reality of it all is there is no money to be spread around and no matte what you do, it will not be enough to pay off the debt that has been incurred long term. So, please sleep on this for a couple of days. You need to calm down and take each piece of the puzzle and look at it...not the entire pie.
Ambivalent, you can't fix this problem by yourself. All four of you will have to pull your resources together in order to keep afloat just a wee bit longer.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.
