Well,if you are goingtoavoid her and have no more contact with her the I would have hubby and you write a nice letter stating that you were not under the impression that you were supposed topay her back as there had been no mention and that to do so now would be a hardship for you but you are no table to make one payment, you need to send her x a month, whatever you can do comfortably. In doing this you realize you probably lose any inheritance but she is not struggling, and borrowing would make you struggle. Why is sister writing the letter anyway? Sounds a bit odd. Is she worried about her inheritance.

So it's a choice, you may lose family eitherway. Mom may be a bit off her rocker andit would be interesting to see where sis fits in.