This woman needs some HELP. Her budget is on the bottom of pg 2, and the HELOC part has been swiftly addressed. No need to bring it up for the 12th time in the thread. I suggested she get out of their $800/month (not a typo) car payments, but they are upside down. I've never encountered this IRL, so I figured some of you may have better suggestions.
Everyone seemed kind and helpful in the post. It sounds like the medical stuff may not be long-term, so hopefully they can work it all out with some cuts to ease their current crunch.