C.,
Tough situation, but not impossible. Your 12 year old's behavior indicates that things are not right in her life. Which, everyone goes through around her age. However, her behavior is a warning sign to PAY ATTENTION! It's like a big red flag saying, "Turbulance ahead: Proceed with extreme caution!!!" The issues with you and your husband need to be put on hold while you give your daughter your full attention. At this point, you guys will need to stop the fighting and focus your attention. Whatever the financial issues are do not compare to your daughters value and life. If you don't, the road ahead will be very rough terrain. Later on, you and your husband may need to get some budget counseling. Crown.org is a great site for financial help.
Your daughter should be your first concern at this point. The issue with your family members (sister, son, and others) not honoring your wishes for your daughter to come home and butting in where they shouldn't, you can address later on. They don't get to tell you, her parent, whether she will be coming home or not. You are her parent, and they apparently believe that they get to decide above you what is and what will be for her. That is a major lack of respect for you as her mother.
Regardless, the issue is your daughter right now.
You and your husband need to sit down with her and hear her out. Validate her feelings and affirm her. Listen without trying to respond or make excuses. She is twelve and she thinks she is adult enough to move out, so she is adult enough to be give the truth of her behavior being immature and selfish as well. But you must let her pour her heart out before you share your hurt feelings with her. You must apologize for any wrongs that you have done to hurt her. You must ask her forgiveness without saying, "yes, I did this, but it was because....." That will invalidate your apology. Just say, "I can see where that must have hurt you and I am deeply sorry for that, can you find it in your heart to forgive me for that?".
You will need to ask her to be honest with you and tell you what things you can do to be a better mom/dad. And list them on a piece of paper. Then go over them with her and the things that are realistic, agree to make a strong effort to change. Also make a list of the things that she should work on (realistically) and allow her to go over them as well. Make an agreement and everyone signs and dates it. Place it on your wall, where you can all see it and be reminded of your agreement. This is called a family covenant. You can change it and adapt it over time to your needs.
The reason this will help is that your daughter will feel that she is in a safer environment and she and you and your husband will be able to (gently) hold each other accountable by going to the covenant each week and asking each other, "how am I doing?" and "what can I do to improve?"
The lines of communication have got to be opened asap. Another activity to do is, each night, each person has 5 uninterrupted minutes to express feelings about anything that happened that day that might become an issue. All have to listen, without interrupting, or judging. Each one can only share their feelings, not try to de-value the comments of another. This only takes 15-20 minutes a day. All must listen and give their undivided attention.
Pay attention to what your daughter is asking for the most. This is what makes her feel loved and valued. She feels that it is missing from her life. Find out what makes her feel loved and then, do it often. If it is spending time with her or giving her gifts (these can be as inexpensive as giving her a homemade card to say how much you care about her). If it's giving her genuine compliments or acts of service (making her a special meal, etc...) or if it's physical touch (hugs, backrubs, etc...) Find out and do it! She will learn by your example. She will in turn learn to do the same for others. What does she complain about the most? Respect-what does that mean to her? Does she feel that she is not valuable? Privacy-again, what would make her feel that she has privacy? Is it realistic? And trust-does this mean that she feels that she can't trust you and your spouse? Why not? Are there broken promises? Look into how you can validate her feelings. And start with changing your behavior where it needs to be changed. Then, she will follow suit.
You CAN begin right now building your relationship with your daughter into a mutually respectful one.
Next, spend quality time together just having fun with you and your daughter doing things that SHE likes to do. When she is older, she will like to do what you like to do, but for now, you must make a sacrifice and do things on her level.
Lastly, pray, thanking God for your daughter each morning, asking Him to bless her and teach you and her the value of LOVE. L-listen attentively, O-overlook often, V-value highly, and E-encourage regularly.
Take Care and May God Bless You!!!!
T. (Mother of 4-from 20y to 15mos.)
(Christian counseling certified)