I'm a long-distance caregiver for an elderly relative -- a distant cousin -- who has dementia. A few years before she started having problems, we added my name to her bank accounts so that if she were ever unable to handle her finances, I could take over seamlessly, and that's exactly what happened. Her bills are still in her name, but for the past year I've been signing the checks to pay them. There must've been bills she didn't pay before I took over, though, because in her mail I recently found a notice from a collections agency for a service she hasn't had for several years. I want to pay it, or at least call about it, but I'm worried about doing this because, as noted, my name is on her account and I don't want a collections agency deciding that, because my name is associated with hers on her checking account, I'm responsible for her debts and beginning to harass me. The bill I'm talking about isn't very big and paying it isn't a big deal, but there may be larger unpaid bills I don't know about, and I don't want anyone going after my personal funds. (I don't think they'd win if they tried, but it would certainly be a hassle.) Is this going to be a problem because my name is on her account? There has been zero co-mingling of funds -- the money in the account is 100 percent hers, and I use it only to pay her bills. I don't use any of my own funds to pay her bills, and I keep extremely good records of her expenses. If anyone has experience with this I'd appreciate hearing about it!