“If you can qualify and offer a fair price, you can make a proposal like anyone else.”

He stared.

“You’re my mother.”

“I am.

Does that mean I must make a multimillion-dollar decision you haven’t shown me you can support?”

He looked offended at first, then deflated.

I took out a small envelope.

Inside was a list of names of accredited nonprofit credit counselors, along with the number of an independent financial planner who could help him prepare a realistic budget.