Chris can't afford 14BC, and the equity Barb has in it is less than both what she still owes on the mortgage and what she owes in other debts. We obviously lack a full picture, but there are almost no realistic scenarios in which Barb's creditors don't come for the house.Even the first scenario, where Chris just takes over the old mortgage doesn’t look that good. (Assuming that Barb’s numerous creditors allow this.)
Chris finances will be stretched to the breaking point, and for the first time in his life, he would be without the option of buying the toys he puts so much meaning into.
It would get really lulzy if the bank or whomever sent over an inspector to check on the condition of the house!