The obvious answer here is to somehow get some income and start paying down the credit card debt. 

It takes away your trump card... who wants to evict a sibling? 

I also use the Costco/Citibank VISA cash back card to pay for expenses.  

Here is the how I would explain it to a kindergartner:The true power of a 1031 exchange is the ability for an investor to meet their investment objectives without losing equity to taxation.With more money they can buy larger, multiple, or more productive properties.What is the alternative?

Is this true?

There’s a lot of misinformation out there, particularly around VA loan assumptions—one common misconception is that you have to be a veteran to assume a VA loan, which isn’t true!

I have worked for lenders, I've brokered, and I have worked with real and true private money and even closed loans funded by a hedge fund of a syndicate of investors.  

This may or may not be true, but either way it sounds like your best move may be a court ordered payment plan.

All too true! 

In the end, if the former is true, then lenders will value it as land with improvements.