1. Stay calm: avoid panic or stress caused by huge debts. Calm thinking can help you formulate reasonable coping strategies.

2. Know the situation: communicate with your father-in-law and know the details of his loan liabilities in the name of your wife. Including loan amount, interest rate, repayment period, etc. , fully understand the details of this debt.

3. Legal consultation: seek professional legal advice. Consult a lawyer or relevant institutions to understand the legality, rights and interests of this loan and the possible legal risks in your wife's name.

4. Consultation within the family: As a family member, discuss the solution with the wife and father-in-law. Trying to find a balance can not only solve the debt problem but also maintain family harmony.

5. Make a plan: Make a detailed repayment plan according to the results of legal consultation and family consultation. You can consider selling assets, installment payment, etc. , to ensure that the debt is gradually repaid as planned.

6. Record and save: Record and save important information such as conversation with father-in-law, legal advice and repayment plan. All these may play an important role in future legal proceedings.

7. Report to financial institutions: Report this situation to relevant financial institutions to ensure that they know the real situation of this debt problem and avoid further losses or credit deterioration.

8. Regular communication: Keep regular communication with my father-in-law to understand his financial situation and repayment progress. At the same time, update other family members regularly to ensure that everyone's information is synchronized.

9. Consider psychological support: If you feel stressed because of debt problems, you can seek professional psychological counseling. Psychological support can help family members cope with this difficult period better.

10. Be alert to legal risks: If you find any illegal acts, such as fraud and theft, you should call the police immediately.

When dealing with such problems, it is very important to keep calm and rational analysis and formulate strategies. At the same time, we must ensure that the safety and interests of ourselves and our families are protected to the greatest extent.