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Reply to JeanLouise
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She can't afford the minimum? At least pay that and on time. Tell her to stop using the card. I just read that on 15k it takes 19 years to pay that off using the minimum payment. If she pays the minimum, it willnot go to collections. The credit card sells Moms debt to a collection agency and they can be ruthless. There are strict laws in what they can and can't do but they tend to circumvent them.

Call your County Office of Aging and see if there is someone who can help Mom.
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Reply to JoAnn29
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Yes, under certain circumstances, a collection company can potentially place a lien on a senior citizen�s house in the U.S., even if the debt originated from a credit card � but several conditions must be met first... 1) Credit card debt is unsecured debt. This means the creditor cannot immediately take any property. But if the debt goes unpaid: 2) The creditor or collection agency must sue. They must first take the person to court and obtain a judgment. Only with a court judgment can they then seek to collect by: - Garnishing wages (rare for seniors) - Seizing bank accounts (in some cases) - Placing a lien on real property like a home 3) Placing a lien. After obtaining a judgment, they can record that judgment in the county where the debtor owns property. This creates a lien on the home, which: - Doesn�t force the sale of the home immediately - But must be paid off if the home is ever sold or refinanced Source: ChatGPT search
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Reply to Geaton777
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No, most likely they can put a lean on her home, which means if and when the house is sold they will get the money first.

That is to my knowledge, anyways, Google it to double check, for your state or country, please
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Reply to Drivingdaisy
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A credit card issuer cannot take anyone’s house. They can send the debt to a collection agency who will endlessly contact and bound for the money. There likely will be an attempt to settle for less than the full amount. Her credit score will decline over this, if that’s important. If your mother isn’t making sound decisions on finances that’s a bigger issue and needs evaluation. Perhaps she can no longer handle her finances and needs a POA to step in
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Reply to Daughterof1930
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