No EPF left. and no insurance etc. no car. no other bills except for this. and yes, the house is under his name. The house value is more than enough to pay for his debt. but that would mean we have to sell the house. do we HAVE to sell it? if we choose to pay his debt with our own money, can we keep that house? that is the only property he left. and we've been living here for 30+ years. my mom is not that well either. I'm the only one with just enough income to support the family and I would rather pay it like it is my own than sell the house to pay it off. I need help deciding on this. that is why I'm considering all the options i have. akpk is one of them.

I'm still trying to grasp things. and I'm honestly lost. Thank you everyone, for your input.