How should I handle Mom's creditors?
My mother recently entered a nursing home. Since medicaid is paying for her stay, they are taking her social security check as supplemental payment. As is standard, she will be left with a "personal needs allowance" of 50 dollars a month. I consider this all fair and reasonable. However, since her ss check, which had been her only income, will now go to the nursing home, she no longer has the funds to pay her credit card bills. My mother always prided herself on good credit and meeting her obligations, but that is no longer possible. I wonder what, if anything, I should do.
I had a good friend in the same situation when her mother went into a nh. She explained the situation to her mom's creditors, who in turn began to hound and harass her for the money, which legally, my friend did not owe. I suffer enough watching my mother's Alzheimer's progress. I really don't need to be harassed by my her creditors. Any suggestions from anyone who's been there? Or who hasn't been there?
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I went through this with my dad and I never did get his creditors off my back, they called constantly even after I had spoken with them and written them each a letter but I had called them from my phone which was a big mistake. Even after my dad died they continued to harass me until I issued each creditor a death certificate.
I was trying to do the right thing in letting dad's creditors know that he was in a nursing home (same situation as you) and all I got for it was daily harassment. I ended up blocking the phone numbers from my phone so at least I didn't hear the phone ring when they'd call.