Good morning Help, It's 36 degrees out burrrr....if your husband was homeless over here, that would be very uncomfortable, think how comfortable he will be when this is all over or settled or helped. I didn't like my therapists either, the first 2. I really like the " leader" of my support group, she seems to understand and if I cry she doesn't make a big deal of it. Try a different therapist or why didn't you like the first one? Sometimes it takes a few sessions..or only the first to know if you click with her. I'm gonna get he$$ from the others about this, but I would accept the financial assistance that the mom in law is offering, you could write up an IOU and pay her back? YOU might be homeless yourself if you lose your housing! Try a meeting, there are plenty of people there that might recommend a therapist for you plus get the support you most necessarily need. Take care, TF