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power of attorney

Date: Mon, 02/27/2006 - 11:55

Submitted by anonymous
on Mon, 02/27/2006 - 11:55

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Total Replies: 5


my father is 84 and has 5 credit cards and 1 loan. He is now in a rest home which consumes 75% of his retirement. I have power of attorney of his money. If I stop making payments to these credit cards and loan can they come after me. I am assisting with the rest home on expenses. Since I did not create this debt am I still responsible for it.


Cyn, you have signed your father's power of attorney thereby taking his responsibility. So, the creditors can have the legal stand if you don't pay the debts of your father. They might not consider the fact that this debt belonged to your father. They will consider the fact that you have signed taking his responsibility.

However, I will suggest you to talk to your lawyer before making the final decision. He will make you aware of the harmful legal consequences that you will definitely like to avoid during this process.


lrhall41

Submitted by john on Mon, 02/27/2006 - 12:17

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Thank you for the input, let me ask this, If I do nothing, will they take his retirement income which just covers the rest home. I currently have a living trust on my assest to protect me. I have not signned the power of attorney as of yet and from your comment I am glad I did not.


lrhall41

Submitted by on Mon, 02/27/2006 - 13:43

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No, they cannot take the retirement income just like that. They have to be legally authorized for this purpose. Have a talk with them and make the payment arrangement. Both of you should know the process of repayment before the company does anything for which they have not been authorized.


lrhall41

Submitted by john on Mon, 02/27/2006 - 13:47

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I have had numerous discussions with the company, asked for interest rate to be lowered (total combined is over 100% interest). Not a willing company to assist me. It is they who are asking for the power of attorney, now I am reluctant to do so. I will continue to make payments but certainly not to what they are wanting. I am at a loss, never realized how bad my father was. And dealing with these loan sharks is another issue.


lrhall41

Submitted by on Mon, 02/27/2006 - 15:05

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Sometimes, the company makes the negotiation process tougher. Continue to make the payments from your side because that is the best thing to prevent the situation from taking a bad turn. But, I also feel that you should not pay so much towards the interests. Have you considered taking counseling from the consultant? The professionals understand their language and can get the best deals for you. Try the counseling from this website. It comes free of cost. He will negotiate with your credit company and get all the late payment fees and other financial charges waived off. They can also offer you lower interest rates.


lrhall41

Submitted by john on Mon, 02/27/2006 - 15:25

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