My mom is on Medi-CAL (What they call Medicaid in CA) and is in a SNF. I do not dare do anything to disrupt her care or coverage. However I have been paying down her 5 credit cards myself (Still $35,000+ to go) since her dx of dementia 4 years ago. She was accepted for Medi-CAL coverage and admitted to a SNF one year ago and I am still paying on her debts. (Most of her debt were for assisted living rent that she could no longer afford with just her SS check.) I saw a post on this site mention a 1099-C form. Apparently it's a tax form that credit card companies will send to the IRS if I write "the letter" informing them that mom is in a SNF and can no longer pay on those debts. It said the 1099-C debt amounts will be considered income and can interfere with her Medi-CAL eligibility! That alone would make me continue attempting to pay the $1,000 month due even though I've exhausted all savings and just don't have it. Does anyone have any experience/advice re how I might finally get rid of her debt and not be in danger of upsetting her Medi-CAL coverage & care? Once you're in the system as a red flag I know how difficult it can be to get things straightened out and my mom's advancing dementia requires consistent care 24/7. Thank you for any thoughts you may be able to share on this! ...and all the best to my fellow caregivers out there, fighting the good fight!