My mother in 1st stages of alzshiemers, is being pestered by credit card co's for payments she cant make?
82426
Notify any creditor to never call her, they can't legally after that.  Google search a "drop dead letter"
732025
She is the only person responsible for her debt. \nWhen she dies, the credit card companies will call you (one called me on Christmas Eve after my mom died) and try to get you to commit to paying the debt. Just say no. She was over 18, and they contracted with HER for the debt she incurred. The only thing you will have to do is send them a copy of her death certificate. They write the debt off for taxes at the end of the year.
1180123
I have been going thru CCC (Consumer Credit Counseling) for two years now. I know it's awful having so many bills and so many rude people calling and demanding payment. There was a start up fee and then they just started deducting so much every other week. I'll be finished in November, thank goodness! You should look into it, it definitely takes a weight off your shoulders because you just see the progress ya know? You're not writing checks and balancing who gets how much. Good luck!
692124
Call the lender (or, possibly the collections agency if your situation has gotten to that point).  Many companies are willing to work with you because defaulting on a loan is bad for their business, too.  However, you have to show them that you are a responsible borrower:\n\n1.  Explain to them what happened (tell them just what you told us here)\n2.  Tell them that you will take responsibility from now on (the loans will always be in your name, so even if your mother still plans to pay them off, you should still keep a watchful eye on your account balance to make sure that she is never late) \n3. Ask what repayment options you have at this stage.  Some lenders will put you into a forbearance in order to alleviate your payment problems.  Other lenders will recommend that you consolidate your loans in order to lower your monthly payment.  Others will, as you suggest, devise alternative payment options called an "income contingent" or an "income sensitive" payment plans.  Ask them if they can do this and, if so, whether they can make your payments close to $50.  Generally, once you make 6 consecutive payments on time, you will be out of default, which will help your take-home wages and your credit report in the long run.\n\nRemember, too, that collections agencies deal with a lot of lazy people -- show them that you are different.  If the person you speak to is having an "off" day or doesn't seem willing to help you, try again.  Consider asking your former Financial Aid Office to contact them on your behalf (I have done this for students) -- sometimes they are more pleasant when dealing with someone "in the business."\n\nFinally, one of your rights as a Stafford or Perkins Loan borrower is that you be allowed to speak to an ombudsman when things get rough.  You can find one and learn about what they can do at http://www.ombudsman.ed.gov/  (Basically, an ombudsman is an individual who resolves disputes through an independent viewpoint; they do a lot of impartial fact-finding to make sure that you have been treated fairly.)
353371
get a written agreement,keep paying your portion,you may even have to pay all just to keep your credit good,then if she dont pay,sue her or chalk it up as a lesson learned
1106139
She should file a police report immediately.\n\nThen she should pull all three credit reports and make a list of the accounts that she "knows" is not hers. \n\nThen she send a copy of the police report to all three credit bureaus along with a letter listing all of the accounts in dispute.\n\nThey will place a fraud alert on her files. It will make it a hassle for your friends mom to apply for credit, but not impossible.
151965
Costs may be the problem on why you are not allowed one. Show your mom that you are a very responsible human being first. Then, depending on how old you are- why don't you offer to pay for part or all of it? Suggest a pay as you go phone so there won't be any overages on the charges. Good luck!
938453
I highly recommend you call these folks\nhttp://www.cccsintl.org/\nCCCS or Consumer Credit Counseling Service (if you are in the US)\nThey are a non profit credit counseling service that all major credit card, irs, government agencies recommend to help folks with bills.. might even prevent bankruptcy.. They can work with you and help you with contacting your creditors and what to say and help you settle with them, might even negotiate lower payments. etc.. I used to work for a major department store dept collection department and we always referred the worse cases to these folks... goodluck!
230656
how can it be the banks fault?  It is in your mom's best interest to locate the company or the individuals as quickly as possible to try to collect.  Otherwise, she is just going to end up writing off all that hard earned money.\n\nemma____@yahoo.com\nNorthwest Investigation
866812
just let her know you worried because that's how people get in to debt and that you'd rather she didn't have one. say if you ever need help don't get into debt ask me for help. that's what my dad yous to to say to me.\ngood luck. I'm not a parent but i am adult (21).
1128276
The situation to me is whether or not she is able to do stuff.  If she has medical issues, does this prevent her from being able to do basic stuff?  If not, then it comes down to what you and her son are willing to put up with.  You have two possible solutions.  First is to sit down with her and lay it all out for her.  Her son has to be behind this also, because it won't do to have you saying one thing and her son saying something else.  Let her know that she will be required to do her own laundry, assist with cooking and /or dishes, she will be asked to help clean around the house.  If she cannot, or will not, assist in these matters then let her know what will happen - she will have to find a new home, she will be asked to leave, she will have to pay rent, etc...  Whatever the penalty or solution that you two come up with to deal with the situation.  Solution #2 would be if you do not wish to live like that - contact the other 2 sons and everyone have a family meeting to decide what needs to happen with 'mom.'  It may be that it is time to find a retirement home for her.  If it is too much of a physical, emotional, and financial burden for you to take on - then the entire family should get involved.  It doesn't mean you don't care for her, but you can't live your life around her entirely either.
494398
First? Did you tell me everything? If your paying but still have arrears issues to resolve your okay.Have no fear go to DMV and find out.No ones going to arrest you for all the arrears but you need to start applying extra moneys to that in good faith ASAP.I had 38,000. in arrears for a long time until I cleaned them all up. The only thing that happened to me was the IRS would take my tax returns every year which was a good thing to catch up my arrears with that extra payment yearly. It made it shorter to handle in the end. So get over being mad at her and all file your taxes and pay a bit extra every month too..if the family court  calls you in... you made an effrot to pay her the arrears when you could.. in good faith.Which is better than most cases.
746872
Check with an attorney to see if you can get her declared incompetent and you should seek power of attorney to make financial decisions on her behalf.  It sounds like your brother has started this process already.  So discuss with attorney the possibility of courts deciding which of you have her best interests at heart.  \n\nI'm really sorry about what you are going through, when money gets in the middle of family affairs sometimes it gets complicated.  \n\nBest of luck to you and your mother!
336836
first they can not contact you this often unless you encourage them by promising payments that you do not make.  the best way to get them to stop is to contact a supervisor and calmly discuss what can be done. Or you can actually send them a payment or if you ignore them for 7 years you do not have to pay it. The most responsible thing to do is to contact one of the credit companies that will help with this, you can even ask sears to provide a contact they will handle it from there.  next time, stop buying when you can not pay, the rest of us do not want ot pay your bills.
1080740
Oh MY GOSH!! That really makes my skin crawl, a son gives his mother his paycheck to pay her bills and SHE ACTUALLY TOOK IT!!! You need to be mad at both of them!!! And you need to remind him that HE has a family to provide for and that even though it is important for him to be there for his mom---THE KIDS AND YOU COME FIRST!! Whats NEXT?? Is he gonna let her come and live with you or will you be moving in with her because you got evicted because of this? Message me if you want to vent...I feel your pain.
1043357
If your mother didn't sign any contracts nor signed away the trade in, I would think you two could just walk away from the deal without worrying about a thing; HOWEVER, i'd strongly advice to speak to a lawyer and see what can be done about it.\n\nIt's really shady for a business to do things like that without telling you exactly what they are doing and I think a report to the BBB is also in order.
976153
You need to speak to an attorney about your rights and obligations.  Also, why not speak with her financial advisor to find out what, if any, plans are in place concerning your mother's death.