It's Monday morning. Jan, a therapist at the Community Mental Health Center, is running late and rushing to make the 9:00 a.m. staff meeting. As she bursts through the conference room door, she sees her five colleagues beginning to sift through referral sheets. Jan recomposes herself and calmly takes a seat at the table as Sam begins to read the first referral: Jeremy K. is a 4-year-old boy who is exhibiting extreme behavior problems at preschool and at home like hitting and scratching other children. He is HIV-positive and was recently expelled from Head Start for biting other children. His parents report that he is unmanageable and Child Protective Services has referred him to our clinic. I'm sure you all remember this family. They have five other child:ren and have been in services with us two or three times before. Jerry, another therapist, interjects, remember them. I had this family last year. They started out pretty motivated, but after a few weeks they began missing appointments. I finally had to close the case after three no-shows. I would prefer to pass on this one. Sam's question, Any other volunteers for this one? . is met with silence. Okay, well let's try another one. As Sam continues on, a sigh of relief comes from the other therapists. Sam says, have a referral from the local homeless shelter. One of the shelter workers is seeking some parent trainiNg for a mother with three children. This mom came to the shelter after leaving an abusive relationship for the fourth time. The shelter worker called because two of the kids are running rampant all over the shelter and the other one seems to be depressed. The mother also has some symptoms of depression and is due to be checked out from the shelter this morning. She has no forwarding address or telephone number, but the shelter worker says she drops by occasionally and can give her messages. Jan, like the other therapists, rolls her eyes skeptically and begins mentioning all of the reasons why she can not take this case. Clearly the therapists in this scenario are not eager to work with either of these families, but why? What is it about these cases that turns the therapists off? The referrals described are not unlike the families that we, as clinicians, encounter each day. There are certain features about these families that make practitioners cringe: lack of adequate financial resources, previous failed therapy attempts, no phone, no transportation, and multiple problems. We cringe because these features are associated with more global issues that we know will pervasively interfere with treatment. Our clinical experience and intuition tells us that the most difficult families to treat are those with multiple problems, limited finances, and high stress. Research supports our intuition. Two of the articles in this issue of Family Relations highlight these issues. Fisher, Fagot, and Leve (1998) as well as Lindsey (1998) note two major concerns that interfere with treatment: financial limitations and high stress levels. Fisher, Fagot, and Leve suggest that socioeconomic status has an impact on family functioning in terms of parents' psychological well-being and the discipline strategies parents employ. These authors discuss the direct and indirect effects of stress on a high risk family system, including ways that antisocial behavior can develop in children. Direct effects of stress include irritability, whereas indirect effects include the disruption of parenting practice and positive family interactions. Lindsey reports that lack of adequate financial resources, like in the case of homelessness, can significantly impact the relationship between mothers and their children. Articles like these heighten our awareness of the impact that these concerns have on our therapy. We would like to expand on the issues raised by these articles by discussing some of the strategies we have been using in our own practice to try to provide more effective mental health services to high stress, multi-problem families. …