My mother is 72 and in frail heath. In the past year, her memory has slowly gone downhill. She has had financial issues for a couple of years, but now she is 4 months behind on her house payment. My husband and I have helped through the years, but cannot now. She refuses to think about bankruptcy or selling the house. I simply don't know what to do. I don't have POA or any other designations to make decisions for her. What can I do?