it is so easy to say but when yr mom or yr brother (crying) for help. then u can't just sit there and do nothing especially they know u could help them out.
my case is - i help my brother to repay the credit card but in return ask him to sign up a written document saying he owe me that money and will repay to me on a monthly basis. in case he skip any installment. will go to his company HR to ask them to change the payroll bank account to mine.. so that i could get all his salary and in return he came to ask me for pocket money. (that's what i call money control).
meanwhile cancell all his credit card. but of course u can't stop him to apply the new one. but for those new 咭數 - i won't do any more help..