Credit card company threatening to sue elderly mother? My elderly mother had several credit cards at one time. Some of

My elderly mother had several credit cards at one time. Some of her relatives used them and she know nothing going on for this at the time. At one time, she was next to a debt managment group that was trying to minister to her pay rotten her credit with this company it is 2,900 dollars. But this credit card company would not progress along with the payments she be trying to give them of 300 dollars a month. Now they are threatening to sue her. It's horrible contained by a few days she will be 81 and she has lost most of her memory. And in a minute she has to facade this at her age? We live in Texas properly what could they do to her? She own's her own home and is a retired teacher. Does anyone enjoy any advice in the region of what to do? Any help would be greatly appreciated.

THE RULE ABOUT PUTTING HER HOME INTO YOUR NAME CHANGED 2/8/2006; IT NOW IS A 5 YEAR WAIT FOR BENEFITS TO START, AND HER HEALTH MAY NOT BE STRONG ENOUGH TO WAIT. IF HER HUSBAND WAS A VETERAN, SHE MAY HAVE EXTRA INCOME AVAILABLE THAT MOST PEOPLE DON'T KNOW ABOUT, BUT THAT TAKES MONTHS TO START. I AM WILLING TO HAVE YOU CALL ME AT 888-686-4734, HOPE I DON'T GET A BUNCH OF NUTS CALLING HERE IN THE BARGAIN.

IS HER CREDIT STRONG ENOUGH TO GET A LINE OF CREDIT OR REVERSE MORTGAGE? PROBABLY BAD IDEA.

COULD YOU BUY HER HOUSE AND RENT IT BACK TO HER, OR EVEN BETTER YET, GRANT HER A LIFE ESTATE FOR A LOWER PRICE? THAT WOULD FREE UP EQITY WITHOUT GIVING IT AWAY. ALL THIS DEPENDS UPON HER HEALTH PROGNOSIS.

I DO SEMINARS ON THIS STUFF IN THE PACIFIC NORTHWEST; IT'S A SHAME SOME JERK IS HASSLING HER OVER SUCH MINOR MONEY (TO THEM).

SURE THERE WAS FRAUD INVOLVED, BUT HOW MUCH WOULD AN ATTORNEY CHARGE? TOUGH SITUATION. I SUSPECT THEY COULD ATTACH A LIEN TO HER HOUSE. ANY ATTORNEY YOU TALK TO - MAKE SURE THEY SPECIALIZE IN BANKRUPTCY OR RELATED FIELDS.

you should contact a attorney and seek his aid, do this immediately! The local prosecuting atty organization should be contacted and maybe an investigation into who certainly used her cards. There is also bankruptcy court as okay ,you should really seek the proposal of an attorney

Answers: Your mother is massively lucky to have you to minister to her in this sombre situation! It might help to know that your mom is not the single older character who is dealing with this considerate of credit problem--many older Americans obverse these kinds of financial situations. Many times nearest and dearest members hold contributed to the bad situations.

I would significantly recommend that you connect with the Area Agency on Aging serving the county where on earth your mom lives. Area Agencies on Aging deal near these kinds of consumer situations that affect elder Americans almost every day. These organization know how to listen to seniors and their family member and can provide guidance and advice that may be of great back to you and your mom. You can call 1-8OO-677-1116 toll free to find out the phone number of the Area Agency on Aging organization serving where your mom lives. When you appointment your Area Agency office, ask for the entity who provides "Information and Assistance" or "Help for Family Caregivers." If you make this telephone, I am confident that you will find friendly and helpful ancestors.

When you talk next to the folks at the Area Agency on Aging ---you should also ask about other services that might be available and practical to you and your mom. These services are for the seniors' benefit as well as for clan caregivers like you.

When you telephone call the Area Agency on Aging, ask them about possible give a hand from an attorney who specializes in this consumer and credit imperative for elders, If your mom is low-income, the Area Agency will know of possible legitimate services that can help matter with these kind of legal matter. If you and your mom aren't low income, find an attorney who has a honourable reputation in this specialized nouns.

If you call the Area Agency on Aging and close to the help that you receive, permit your county elected officials know and let somebody know your members of Congress. Area Agencies don't hold big budgets--in fact appropriations for most services funded below the Older Americans Act have not increased significantly surrounded by 25 years! You and your mom will not be charged for the information received, however, any financial contribution you might make for the time and assistance devoted to your situation would be tremendously welcomed--and would go toward helping more of your elder friends and neighbors and their caregivers.

I hope this helps. Thanks for a great cross-examine and for caring! Best wishes and devout luck to you and your mom!

Well in the State of Texas ther really is not much they can do, they can not garnishing wages, her S.S.I. and retirement are exempt and they can not take her home.

You might want to consult a advocate, but the term run pound sand comes to my mind.

This is some advice that I widely read along the way. My mother lives near me now. When she owned her own home we have it put into my name. Just within case she have to go into a nursing home, they could not lug her home away. I would suggest that you do this as soon as possible.

In my state her home must be in my first name three years before she would run into a nursing home, for it to be effective. This is for your mom's sanctuary.

I think the credit card company would hold to accept the transfer of funds of 300.00 a month. In my state of Wisconsin if we are making payments that is a show of perfect faith. They cannot convey it to collection.

I would probably call a attorney and have a phone consult in the region of this. Most lawyers do not charge for this. Would want legal direction on this.

I would not let my mother jump to court as it would just upset her. I quality bad for you and your mother. This is so luckless for the both of you. Get some legal counsel.

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Since when does age matter when it comes to owing money? I don't focus they particularly thoroughness about her memory any. Money owed is money owed and they want their money. Tell the dead defeat relatives to pay for their bit of the bill.