Just when I thought I could have some piece of mind. I have posted before.... MIL has not been successfully managing her finances and was looking to us for help. When she resisted letting us know what her cash flow was, we withdrew our help. That was last fall. Now she is behind again, has unpaid tax bills and turned to us again. Again I expressed that if she needed continuous help, we needed to be more involved. I finally came up with a plan that she accepted. We would create a separate account for bill paying, which we would manage. Her SSI check would get divided between the two accounts; we had worked out the amounts so that she would have money in her original account for just groceries, incidentals and cash; this account we would let her manage. The rest of the funds would go into the bill paying account. She seemed to be comfortable with the amount that would be left under her control; the amount going into the bill paying account would not quite cover everything, but the amount we would end up supplementing was more comfortable for us. When I went to the bank to ask how to go about setting this up, they said we would first need to obtain power of attorney to do this. Yesterday she was ok with this. Today she called a legal resource who advised her not to sign the POA - that it was something done when someone was determined to be incompetent. So she's changed her mind. Yet she seems to like not having to manage the bills.She wants to just write us a check each month - the same amount that would have gone into the bill paying account. We would deposit into one of our own accounts and we would pay bills from there. So at least she is accepting of some financial management help. But I am worried that this arrangement, in the absense of POA, would also leave us vulnerable. My husband only has one sibling who has not been directly involved as much. Would we end up getting accused of taking her money? Should I have MIL sign some kind of agreement/contract stating she is giving us this stated amount each month, of her own free will, for us to manage her bills? Any advice would be appreciated.