Dealing with debt collections.
I have represented my 86 year old Mother by Power of Attorney for over 10 years. We recently had to place her in a Government Funded Facility for Dementia Treatment & Rehabilitation in February of this year. She has no Assets. Only her Social Security Check. There is a small Balance that is left each month. After expenses are taken by the Facility & Government. She had only one Debt, in which was a Credit Card from Bank of America. She Accrued debt and paid on the Account since she was 60 years of age. The balance now is around 7700 dollars. She lived with my Family and had expenses for 10 years prior to her illness described below. After her Insurance Expenses, she did help with some Living Expenses and her remaining Balance, paid Expenses regarding her Illness such as Pharmaceuticals and Doctor Care not paid by her Insurance. Her Family Home was Sold 10 years ago. She is a widow and my Father Passed in 1974. All of her assets were extinguished in April of this year and No Payments have been made to BOA since that time. I wrote BOA in April & June of this year, explaining that she had been placed in a Federally Funded Facility & Had no Assets and the Account could no longer be paid. I also wrote both times as her Power of Attorney. Since she could no longer do business & instructed them that I am only her POA. I included both times, the POA documents, properly recorded and Signed in this County. I was advised by my Attorney to handle all of this business in Writing Only. BOA was advised of this on both Certified & Return Receipt Letters. The Return Receipts were received and properly completed. I cleared her Online Profile out in March of this year. That removed her contact Phone # off the record. In order to get out of the Site, I had to leave some #. I placed a Phone # in the Family Barn that is used uniformly by several Family members within the Estate. It is mainly monitored for the Security System on the Premises and is rarely used for Communication and any other purpose. Her contact # that was removed on her profile was moved to another Security System Monitoring Service assigned to the Premises. It is also rarely used for communication. Both has a Voice Mail Service on the lines, so the Alarm Company can us the lines for testing and leave messages for the Owners. Both Letters to BOA clearly stated that phone communication would be ceased & desisted due to Georgia Fair Credit Collection Laws. I did not mention in either letter that the #'s, were attached to Security Systems and were not monitored. From day 1 of their receipt of the First Letter, numerous calls have been received on both lines. Not as frequent on the profile # removed in March as previously stated. After receipt of the 2nd letter, both lines were called daily. Since receipt of the First letter, there is around 47 calls by them and around 23 containing voice Mails asking Directly for my Mother to call them directly. I have told them in writing plainly since March that she no longer lives at this Residence and in all due respect, due to her Illness, she does not know the World is Spinning. Also, As her POA, I am doing her business and am only her POA. Can All Concerned, Imagine all the Stress and Strain to the Family Members, How Phone Calls from BOA, acting like they are wanting to speak to my mother specifically, and pleading that there are all different ways to deal with this matter, are dealt with Mentally? All of these calls are well documented on Phone Bills. It is getting aggravating to the Monitoring Group to keep up with all of these calls, as testing data on the systems are sent regularly to & from all concerned. I have not mentioned to BOA on either letter that the numbers are registered to other Family members, other than Her. You would think that there would be some reasoning to this in all my Communication. I have notified BOA by Law, all the information that is necessary to include, according to the issues. I have gave them all the Pie R Squares Legal Terminology to not do any business on the Phone. No one concerned has received any Written communication from them since they were notified in April. Several friends have given me Googled Information on BOA and there debt collection Practices. They have an In House Agency that says they are BOA, but are a separate entity. They have multiple complaints concerning there practices on line on several sites, concerning Fair Credit Collection Practices. It is frightening what they have gotten away with. It appears no one on one end of the Organization knows what the other is doing. I thought there was Laws concerning this. The final statement and what I contacted this site for is: What are my options to deal with all of this nonsense, without having to use legal resources? Maybe someone has had similar issues and all Comments would be appreciated. With All Best Wishes: Honeybee