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The characters:
Jay has been assigned fiscal and healthcare POA over Joe and Sue. Joe and Sue are mentally competent, but in very poor physical health. Joe and Sue have massive debt, limited incomes and no way to pay off the debt.
Jay has been to speak to the Bankruptcy Trustee and it has been confirmed that Jay can start bankruptcy proceedings on behalf of Joe and Sue.
All the debt has been accrued by Joe and Sue. There is absolutely no commingling of funds between Jay and the others.
If your ? is more kinda that the person your dpoa for owes you $, you’ll need some sort of Promissory Note or Memo of Understanding that’s witnessed and notarized along with debt owed correctly formatted for the court and filed with the court. the Note would need to have been in place for any expenses to have been included from that date forward.
If you can't follow that, you can see why your post is confusing!
If more than one person has debts, filing for both at the same time might make things easier, but you need to clarify the situation first.