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89 year old mother's debt

Date: Sun, 03/06/2011 - 15:59

Submitted by anonymous
on Sun, 03/06/2011 - 15:59

Posts: 202330 Credits: [Donate]

Total Replies: 2


My mom is 89 years old and has a lot of credit card debt. The reasons for that are too complicated to get into here. She's in poor health and as I see it the debt is tenuous at best. She hasn't been able to pay any of them due to increasing medical bills and hospital visits. The collection letters are coming now and I can see things snowballing. Her only income is her ss/retirement. I've talked to the collectors on her behalf, explaining that she's old and ill, lives on SS (which cannot be touched) and has no assets. They all say i need to send a POA before they will go into any detail. Should I also send a letter along with it stating again that she is judgement proof, or will they sue anyway. I don't think they would obtain a judgement unless I failed to answer, which I would not. Any ideas. I'm in New York.


I will give you two scenarios. I have financial power of attorney for my daughter. I handle all her finances. I deal with her creditors. I am able to discuss with them after I sent/faxed them the Power of Attorney. You could get power of attorney from your mother and deal with them.

My 87 year old mother owed a Sears account. She has no property, assets etc. Her only income is social security. After several phone calls, letters explaining the cicumstances, we were able to get Sears to charge it off.

You can write a letter to the collection agency, certified mail RR, explaining the circumstances and provide proof. Ask them to cease and desist as your mother cannot afford to pay them. Since they are 3rd party and not the original creditor, they will have to adhere to your instructions.

Hope this helps.


lrhall41

Submitted by aubrey on Mon, 03/07/2011 - 06:33

( Posts: 1203 | Credits: )