Crazy/Stupid/Insane

That's about the size of it, regarding the house.  I've known specifically about this for 2 weeks and I've been kicking myself for not doing something about it.  I'm not especially well known for "taking care of business", especially in a timely fashion, but this has been ridiculous.  It doesn't help much, but I'm sure I know why:

• Scared shitless, because there are no good options.  I chose a long time ago to keep this to myself and try to handle it on my own.  I didn't know how, I didn't know when...and when you get down to it, I really have no options.  We have no credit (bad credit), we have no disposable income.  Mom IS the only option, and what kind of option is that?  To have her fly off the handle (even if it's for something reasonable, that otherwise she would be in favor of?).
• Too many other things going on that are Defcon 5.  Todd's dental issues/our personal financial issues, etc.
• Normal "not dealing with it"