She will be moving in the next 60 days. Zero equity in home. $50k in cc debt. Looking at community options and costs she will have little or no funds after expenses. Her income is from s.s. and state retirement pension. In fact, we will probably be supplementing some of the expense ourselves each month.
I know assisted living and skilled nursing she would be shielded but unsure what it would mean in Independent Living.
We plan on obtaining a credit report and sending certified letters to creditors stating she has moved into a CCRC and can no longer meet her debt obligations and that any further contact should be in writing mailed to a p.o. box we have set up near us.