Her only income is social security and she has no assets. She lives in my mobile home on my property. She pays no rent or utlilities. She does everything for herself and will not let anyone help or know her financial situation. I have recently discovered she is in deep credit card debt. So far she's not behind on any bills but she's charging constantly and only making minimum payments. It takes her whole check just to make the minimums. Soon I'll be retired and only be living on social security. I won't be able to pay her utilities after that. She may need to move to an apartment eventually then she'll have to pay her own rent and utilities as my health is not good. I need help in Kansas. What can I do about this charging and debt she has? She gets very mad and changes the subject if I bring up the subject. I keep thinking that eventually she will max out but they keep increasing her credit line. Is there anything I can do?
What to do? Tell her you have reviewed your budget and can no longer afford to rent the mobile home for free, nor pay her utilities. Find out the going rent in your area and tell her that moving forward she will have to pay that amount. Utilities too.
Do this prior to retiring, so you can create a bit of a cushion for your own use.
As far as the CC debt goes. CC are unsecured and the debt will die with her, if she has no assets.