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I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
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Much depends on your mother's mental state, but if your sister pays her living expenses, she should be able to get a handle on this. I'm surprised your mother can do this, as credit is harder to get now.
Does your sister have Power Of Attorney? She should have if she is paying the bills. She could put a credit freeze on your mother's credit reports and that would stop new cards from being approved unless unfrozen. Perhaps checking with one of the major credit card bureaus would be fruitful. Checking with her bank should help, too.
If no one has a power of attorney get one fast. I used my poa that I had from an elderly neighbor to close her accounts and change her credit card address to mine. I also took over her bill paying. At one point she had five credit cards from one bank. It took me an entire summer to get it straightened out.
My mother did a lot of damage with credit cards, and I am the one who is stuck paying the bills now. My sister has power of attorney and guardianship now, I should have done this years ago when mom started charging stuff. We had a really messy court trial and it was terrible to have to go through, and I gave out both physically and emotionally as her sole caretaker. She tried to sue us for taking away her credit cards and checkbook and claimed we stole the things that are stored at my sister's, and I am not sure whether this issued is really settled. She is now in a nursing home, does not like it, tries to use me to get around the rules there and weasel me into providing medications and vitamins that the doctor does not prescribe. I finally told mom I would not come and visit if she was going to try to use me, or ask me to do things that would get me in trouble or even arrested and put in jail. I am now living with my sister, I cannot afford a place of my own with trying to pay off all these cards, at least I have a place to live and concentrate on getting my life back together again. Don't wait too long to get control of this issue of spending and credit cards because it can easily cause a lot of damage to family members who have to deal with paying all of this off when they go to the nursing home.
Carol and all the others you gave good advice. My husband could not do anything for himself and would make sure he fell if asked to do anything but could still order items and get his credit cards out-it is an illness and I hope you can get this straightened out and maybe an elder lawyer can write to these companies-I do not think you are responsible for your mother's debts-that was what I was told-only for a spouse.
I don't think you can be held responsible for your mother's debts - by paying the credit card charges, you are just encouraging the credit card companies. Seems to me, they will stop giving her credit if she stops paying the bills (and no one else rescues her). I know it sounds harsh, but I think that letting them sink financially is better in the long term than a slow death after financial hemorrhaging.
My aunt has been charged by her credit cards for card insurance she can not possibly use .out of work insurance when you have not worked in thirty years hospital insurance already covered by Medicare etc.tele marketers pressure the elderly she got this years back and has been paying thousands at high interest rate.this is not a fly by night scam major credit cards b of a discover etc are doing This.i had heard some attorney generals were trying to bring charges but I am not able to find anymore on this does anybody know of any settlement ?
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Does your sister have Power Of Attorney? She should have if she is paying the bills. She could put a credit freeze on your mother's credit reports and that would stop new cards from being approved unless unfrozen. Perhaps checking with one of the major credit card bureaus would be fruitful. Checking with her bank should help, too.
Good luck with this frustration.
Carol
This.i had heard some attorney generals were trying to bring charges but I am not able to find anymore on this does anybody know of any settlement ?