Yeah, he needs to get it together. He is a very hard working individual, but he truly has the luck if the Irish (for those who don't know "Luck of the Irish" is generally bad). He went through a work accident and a divorce all at the same time a few years back which started this whole thing.
But he just can't seem to catch a break. The job and finacial outlook here in MI isn't very rosey at the moment so I know we aren't the only family with the money matters.