Yeah i think the whole stuff about getting maya's loan papers wont matter at all (other than getting closer to maya an derek and mc being dependable) but not about the outcome.Well, usually terminally ill characters are added to a game for one specific purpose.
I think what's going to happen is that the MC and friends are going to sort out the Mayas loan situation, and when they proudly tell Patrick about it and tell him to go fuck himself, he shocks them with the news of Helen's death.
Stuff like patrick retaliating is imo completly out of the picture for the story, Helen will die, very soon imo.
And after she died Patrick will read her letter, realise how badly he treated his childrend and how misguided he was all the time. He will probably have a huge mental breakdown and afterwards maya's loan stuff will be done, he will just pay for her or at least "release" the shackles.
And even tho most people think patrick is a pure villain, Maya and Derek still long for his love and will maybe take care of him for a bit. Even tho he did all this cruel stuff, neither of them seems to want him out of their life entirely.