@ confusedandalone - You pwned your brother big time in that text exchange, well done. Being loving to your folks is key. Showing them that despite your status in the WT Org you love them and will help them shows that you are NOT mentally diseased and all that baloney.
But you are not responsible for their poor financial planning. And their own WT has come out with articles in recent times on bankruptcy that says a Christian can file for this and should not be judged.
*** w1994 9/15 p. 31 Questions From Readers ***
"..It is not for the Christian congregation to offer legal advice on this...the Bible does not rule out the possibility that in an extreme situation, a Christian may avail himself of the protection offered by Caesar’s bankruptcy laws. However, Christians should be exceptional as to honesty and reliability."