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If the reverse mortgage needs to be paid off in 3 to 12 months, it simply means that you have to go out and get your OWN mortgage. If your credit is average, depending on the amount of the mortgage and your and your S.O.'s income, you should have no problem getting one.

One step at a time, my friend. It works.
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i s'pose a deputy is beating on your door by now . i hope so anyway . pretty much every word we utter is eavesdropped on in this digital age .
the only comment i have on your family situation is ; i think to a degree were all nuts .
i only noticed that you dont own any of the mayhem . i call BS on that .
when i finger point at the nut cases around me i usually try to be honest about my shortcomings too .
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I can't live in fear anymore and I have no choice but to kill myself.
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So I might as well kill myself tonight.
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If the homeowner passes away, reverse mortgages become due and payable upon death. The estate inherits the home as usual but there will be a lien on the title. The lien is whatever proceeds were received from the reverse mortgage plus accrued interest.

Reverse-mortgage lenders normally allow inheritors of reverse-mortgaged homes three to 12 months to pay off those mortgages.
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Your sister is bi-polar. That can be mild and well-managed, or it can be severe and debilitating. I know people in each category. Severe bi-polar disorder is a very serious illness.

You sister self-medicated with booze. That, of course, makes matters worse.

I suggest (from personal experience) that you learn all you can about bi-polar disorder. It will help you understand what to expect from Sis and to realize that some of her behavior is driven by mental illness. (I was amazed at what I learned. It certainly changed my attitude.)

And then take whatever steps you need to to prevent her disease from messing up your life. Love her. Support her. Encourage her. But don't let her run over you.

I'd start with trying to get Mom on board about medical proxy. "Mom, you know how Sis is. She loves you to pieces and she is very concerned about you. She does not handle stress well. In fact, she can't handle it at all. Anytime you would need a healthcare proxy to make decisions for you would be a very stressful time. Sis will fall apart. It isn't fair to her to put her in that position. Let someone else have the stressful responsibility and let Sis just be there as a loving daughter." If Mom agrees, then call a lawyer in to make the changes.

I hope you can avoid a restraining order, It would be good for all concerned if Sis can continue helping with Mom's care. But do what you have to do to protect Mom's peaceful environment and your own sanity.

My brother's behavior became far more conventional once he stopped drinking and is in continuing therapy. But he is still bi-polar. He is very close to our mother and very protective of her (and very good in dealing with her). He has had a few outbursts in the hospital and the nursing home. My sisters and I explained his situation to staff from the very beginning and also told them not to consider him a family spokesperson. He has apologized after each outburst, and whichever sister was on hand also assured the staff person that the rest of us did not consider mother's fall their fault or whatever the outburst was about. So far he is still welcome there as a visitor. And that is good for Mom (who knows nothing about these outbursts).

It is very hard having a mother with cancer. It is very hard having a sister with mental illness. Cherish all the positive things in your life, like a supportive partner and plans for a family. Take care of yourself. This might mean a few sessions with a counselor to sort out your mixed feelings/responsibilities.

I wish you the very best. Please keep us informed.
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I stopped reading when I got to " she's my mom's health care proxy" Really? REALLY? That needs to change. I hope mom can see her way clear to that.
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Boogs, you're going to have to help yourself. If you won't leave that house, but you have no authority to decide who gets to live in it, then you will have to accept the consequences of that choice. It sounds like you are banking on inheriting it, which I personally think it is a very bad idea, because your mother could be manipulated into changing her will. (Sounds like the bi-polar sister has quite a bit of influence over her.) To be honest, it sounds like your mother is playing siblings against each other - you do the caregiving for the *promise* of a house (while putting your own money into renovations), but the bi-polar sister has PoA etc, but your mother can't bear to see you at odds, so you "make peace" (i.e. suppress but do not resolve the conflict).

I still think you should get out of there. If you can't afford your own place to live, this is definitely not the time to have a baby.
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TheBoogs, I went back to a previous post you had written, and now I am wondering if maybe it is time that your Mom thinks about moving into independent or assigning living. You had written back in June that your Mom stays in her room all day with the shades drawn and that she is a heavy smoker.

That should solve the problem of your sister trying to move into your home to help care for Mom.
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Change the locks on the doors. If she gets a foot in the door, it may be her plan never to leave. Can you spell nightmare?

And, yes, you have the right to file a restraining order on her -- even though she has your mom's healthcare proxy. Which, by the way, I would change TOMORROW. So she's drunk. Who speaks for your mom then??? It only makes SENSE that you hold that position. And, again frankly, your sister doesn't deserve to hold ANY position. She's a drunk. You should take your lil' mom to an attorney and have a new HCPOA set up -- as well as a Durable Power of Attorney -- naming YOU. If she doesn't have a will? Have that drawn up immediately as well. With you or one of your other sisters as Executor. Don't let this go. You're not being selfish. It's my opinion that the person doing the care giving and living with their loved one has the "right" to hold both POAs.

There is no need to discuss this with your sister until it's done. Or...maybe even ever. Your HCPOA will have the latest date . . . game over.

If your mom has an invasive colon cancer, your mom's in for a relatively long and bumpy ride. And she is going to need somebody, pardon the expression, SOBER to help her navigate. And someone who isn't so stressed out by a sibling as to be ready to tear out her hair. Your plate will become very full very fast.

Forget about the house. It is what it is. Hopefully, that will all work out in the end. But don't let her move into the house!!

One more thought: when you're engaging her in front of others, or with cops, be sure you take the high road. She's not a drunk. She's an alcoholic. You must keep your cool or you'll both look nuts. ;)
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Firstly, thank you for the advice. I WISH I could just move out and get away from everything of this situation…. but I love my mom. She's my best friend in the world, she really is.

Thing is, we invested so much time and money and work into this house. This is the family house where we want to raise a family. This is the only house that we can actually afford. We pay for everything and renovated so much to accommodate all of us and the plus child to come.

I can't get a restraining order against her because she's my mother's health proxy. I do have two other sisters who will back me up if need be, but the constant fear of her unstableness gives me nightmares. Another issue here, is that my mother HATES to see her daughters at odds. So we made peace and I did so just to ease mom while she's going through this process. And even when she is sober, she is out of her face yelling and screaming at people - doctors, nurses and other medical staff who are only trying to help.

If she acts up again, I will call the police. But, I know it's not an emergency per se -- but maybe just to scare her?

Another factor (sad one is) that she is a very attractive woman - men fall to her feet, literally. So when the cops come and I tell them what happens -- she screams and points at me, "She's bipolar!"

I have never been diagnosed with anything other than anxiety disorder.

I can't lose my family home. This is what was given to me and it came with a hefty price, both financially and emotionally and she has no right to push her way in.

My mother's even scared of her too! But she tolerates her manias because when she is calm, she is the most giving, most nicest person you could ever meet. And then 5 minutes later, BAM --- back to the devil.

Now she is saying, "Well, I'm gonna stay in the spare bedroom while mom gets treatment."

I don't want her here.

Tough situation because right now it's technically not my house…yet. So I don't have say…or do I?

Living in fear…and all I wanna do is take care of my mother. In PEACE. :(

Thanks again for your help.
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When you're dealing with someone who is a problem drinker when they're drunk, there's no reasoning with them. Trying to do so is frustrating and, frankly, a waste of time. Your sister doesn't deal well with stressful situations because she's a drunk. Let's just call it what it is.

Your sister doesn't control everything. She's spreads havoc everywhere. When she's drinking. There's a slight (though maybe not significant) difference.

If you want to continue to be your mom's primary caregiver, then, as you recognize, you've got to control your exposure to your sister when she's drinking. (That would be at the very LEAST.) Catch her sober and explain that to her...that she just isn't welcome at your mom's home when she's been drinking.

Now that you know that she expects a phone call and not texts, communicate with her in that way so as not to light her fuse.

It's her fault, of course. But the objective isn't to place blame, it's to go along to get along. If that proves to be impossible, then I would agree with MargaretS. But if I DID get a temporary restraining order, I would follow through with the permanent one...which requires a trip to court. And I would be prepared for her animosity to come back treble-fold.

That would be my last resort . . . after I had carefully considered possible consequences with a couple of drunks and whether or not I wanted to continue in this situation at all. And, by the way, in it with both feet or forget it. If she violates, you call the cops...drunk or sober.

Remember, a restraining order does nothing to protect you. The only purpose it serves is as an aid to law enforcement.
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I think you need to withdraw from the situation. Move out, set up your own household somewhere else. Make everyone aware that you will do X, Y and Z for your mother at A, B and C times, and that's that. If your sister has even ONE more episode of threatening you and being violent, get a restraining order against her.

The reason I say this is because you cannot fix your sister's mental health issues, and you cannot make your mother take those issues seriously. So, let them deal with the consequences. Do not risk your health or your relationship over this, and definitely do not bring a child into this sort of drama.
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