That would be a wise move, or else you'll have to make up shit like "my brother is dead!!!" and this little girl?? Well she has no memory so she has to live with us from now on! isn't that great? we happen to have an empty room now that MY BROTHER DIED and his body disintegrated.
I don't really see the problem
You guys were stupid enough to make that payment in the first place
don't think she'll be surprised
Maybe she'll like this even more