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So sorry for the trouble your sister is in. I'm trying to think of some good advice.
Is the home she's in now a rental or does she or her husband own it? If the latter, I believe foreclosure proceedings can take a long while...it might be an option to just walk away and let the bank take it.
If she is renting, then that makes things more difficult...if she misses a payment, eviction proceedings can start pretty quickly. If the landlord is a *very* understanding and generous person she might be able to work something out there.
If her husband is going to jail, can she get rid of/sell one or both of the cars, and thus the car payments? Unfortunately, I think if she just stops paying one, even if it is in her husband's name alone, it may impact her credit worthiness also.
Failing that, it sounds like her money problems are simply the fact that the family has lost it's primary income source. Even drastically cutting back, she might not make enough to make ends meet.
You didn't mention the daughter's age, but if possible she should talk to the daughter. Really talk, and be as honest and open about the situation as she can. Tell the daughter that they might have to move before she finishes school, but that she will try very hard to prevent that from happening. Kids understand more than adults often think they do.
Regarding the custody arrangements...she'll probably have to lawyer up here. If the mother doesn't contest, it might be relatively inexpensive, but lawyers cost money. I don't know if there's some legal aid she could avail herself of.
She also needs emotional support...if she's a believer, then maybe a church could provide that...otherwise, the best thing you can do is be there for her.
There are also several little ways one can make money...selling plasma, etc. They suck, but every little bit helps. Obviously she has to cut out all of the extras. Most cities have food pantries available that can help with the grocery bills.
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