What can I do if my father is unemployed, broke, and takes personal?
Without your Moms signature, no bank will give personal loans to your unemployed father. Ask your Mom to be strict, make your father appreciate the value of earning money. If such action is not taken immediately, your father will become over dependent for all his expenses on your mother and create problem if he is not funded. Find out for what purpose your father requires such huge money? If his requirements are genuine, your family can support him.