Mom is 81 and has been purchasing from QVC and HSN for years. She has an incredible, long-term shopping addiction. The home she was living in was a hoarders paradise filled from top to bottom with goodies purchased over time from her 'friends' at QVC and HSN. The place is very decrepit from years of no maintenance. Two years ago it became uninhabitable and she moved-in with my sister. We had a company empty out the building which remains a vacant blight. The scavengers have broken in and stripped all the scrap-able metal from it.
Mom is on SSI and has no obvious dementia, a heart condition and still patronizes QVC and HSN on a regular basis, paying only the minimum on her accounts. She owes thousands.
Of her assets, she has only enough insurance to bury her and the blighted, uninhabitable house in a blighted community. Selling it is out of the question. On Mom's behalf I tried giving it to the 'We Buy Ugly Houses' company with no success.
When Mom dies, what is the next step for us, her family? Her house and all her credit cards are in her name only. My sister has power of attorney. Will QVC and HSN pressure the family to pay off her balances since there are no resources in the estate? Should we procure the services of an attorney to deal with them? Or do we just ignore them?