My mother in Virginia had a stroke in September. She only receives about $2700 per month in pension and surviving spouse. However, she has mortgage and high interest loan payments eating up the entire amount every month. My son is her financial power of attorney. He was the only family member in Virginia who could cope with dealing with her finances. Mom begged him to help her as drug addicted granddaughter, her boyfriend and several druggie squatters in her house had stolen her checkbook, password book, used her credit card number illegally and stole cash from her. Mom signed the PoA papers exactly 2 days before she had the stroke. She had been locked into the garage for hours by my niece the day before the stroke. That's another story.
The thing is there are issues with trying to sell the house while applying for Medicaid. Also the high interest loan with USAA was taken out by Mom to fix her car which was used by my niece to run Mom's errands and take her to appointments. We finally got the car back (stolen by niece and her boyfriend) almost completely trashed and unsellable. My brother is repairing it so we can sell it. However, we will never get what is owed on that high interest loan.
How can we stop automatic debits in her bank account? Can the PoA file for bankruptcy on her behalf? We have huge medical and nursing home bills to pay for Mom. We just don't even know where to start.