Ok, first Flash I'm LAUGHING here

Our giving her money is NOT an option, we're NOT in a position to loan money, we're not broke but our money is tied up in our land and equiptment with not much to spare. And the way his family is we wouldn't ever loan any of them money even if we could!
And Loco, I feel for you, money does nothing but make problems in families, and your brother does have to live with his wife but should NOT have treated your mom that way (but mom should have gotten all three kids presents too)
And if she would just be honest with us when we're attempting to get her to list her bills it would be a lot easier but she stalls, then says "you're going to be mad at me but I also pay..." we repeatedly tell her we have no reason to be mad, we're not upset and aren't expecting anything, we just want her to be financially stable!
I've been in denial before and understand how she feels, and we're not using guilt in any way in this, just trying to repeatedly explain we're good at these things and can look through budgets to find places to cut/squeeze, etc.
We haven't been in touch with her this week, actually waiting for her to call us which may not happen after my taking the brothers head off earlier this week, we can only hope she's working on the few things we told her to start, listing all bills, tracking all spending, etc.
And they also probably figured out who told the collection agency how to get in touch with them about brothers car

BUT I ACTUALLY DID THEM A FAVOR! If they were calling all of us in alphabetical order the middle brother would have been next and he would have really ripped baby brother over it!
This will be an interesting ride, but we ARE going to suggest she get a professional to help her with this.
kj