Since I am not assuming mom's debt, what do I legally send to creditors to protect me financially?

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I understand that I have power of attorney for my mom, she has dementia and diabetes and can no longer pay her bills and she has no assets. I have contacted her creditors and advised them and sent a copy of the POA. One of the creditors is saying that the poa is not valid, and or signed correctly. It is but they want me to give them all my financial information, I do not want to do that as I am not assuming her billings only setting up a better payment and I will be sending the payment.

Answers 1 to 6 of 6
Top Answer
INHO you send them Absolutely nothing! Does your mom have the funds to pay the reduced payment? If not you are not to make the payment out of your own funds. Since she is without funds you need to file for Medicaid for her. See a certified elder attorney who is well versed and has expertise in how Medicaid works in your state.
Your mom has no assets, do not pay this bill. Do NOT give them any of your info, it's not your bill. If they call and harass you block their number.

They cannot go after you legally for her debt unless you co-signed something for her. Her debt is completely separate from you. You having a POA for her only allows you to act as her in transactions/paying bills. It does not make you financially responsible for her bills and does not put you at risk financially unless you are taking your mother's money or doing something illegal in her name. Tell them to stop calling you. Send them a certified letter informing them they are to stop calling you to collect on her bills. If they continue calling you harassing you after you have sent them a certified letter, you can go after them for violating the Fair Debt Collection Practices Act. File a claim with the Federal Trade Commission if they continue to call you after you have sent them a letter.
Nothing. If they call you tell them you are NOT responsible for your mothers debt. If they keep calling you tell them you consider these phone calls as harassment and you will be contacting an attorney.

Every time they call you they record the conversation so just hearing the word "attorney" should make them stop calling you.
Everyone here is correct. This is not your bill, not your responsibility. I know it goes against the grain of everything you've ever been taught about financial responsibility to let a bill go to collections and not pay it, but your mother is now totally without means to pay her bills, and that's all you need to tell them. Since your mother is in such bad shape medically, there is very little chance she will need her credit again in her lifetime, so any damage done to her credit by these bills going unpaid is nothing to be concerned about. As others said, never, ever give these collection agencies or creditors your information - you are not the responsible party here. Your mom's situation is not a temporary disability, and she will not be regaining the ability to work or have an income - so they need to just write it off.
If your signature is on any of the credit card receipts, they can and will go after you legally. If you are joint on any accounts, they will go after you. If you signed anything without writing POA after your name, they go after you.
If you have not done any of this, you are not responsible for her debt and tell them NOTHING beyond that.

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