But guys is it legal for a bank to lend you money you cannot repay? is that not why they take time to analyse your incomes and determine how much you qualify for? what if she goes to court ( it is a civil matter anyway). When she is called up, she acknowledges the debt ( therefore no case) and agrees to pay at half what she used to pay till completion!

Is that a viable solution? ( Other than being listed as the CRB (which should be full by the end of this year anyway))