My mother is a hoarder and an internet shopper. She has a decent retirement and SS check but was paying out more than she was taking in due to a multitude of reasons. I tried to help her years ago and she wouldn't let me. She is 84 and of sound mind but has declining health issues due to two needed surgeries that got her down very quickly. These were in a short period of time and VERY invasive. So our problem is that we didn't know how bad off she was in her home and financially till we got in there and started assessing.
I was already a POA for everything so we began working on her debts first. She was a victim of magazine scams for thousands of dollars. This caused her legit bills to all bounce and lots of bank fees weekly. Auto pay on everything is awful!! They had her debit card #. We got her direct deposits moved to a new acct….closed that acct...and changed her phone #. That has helped. However she still has a rather substantial outstanding debt. She needs a safe place to live and this was the best for her. My husband and I fear for trying to pay her outstanding debts with what's left! I did things in a way that I won't be liable, but it's still scary for us. We hate to file bankruptcy and her lawyer prefers to not put her through that. We are at a loss how to continue paying credit cards and consolidation loans!