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Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
How are they managing their medications?
Does their living environment pose any safety concerns?
Fall risks, spoiled food, or other threats to wellbeing
Are they experiencing any memory loss?
Which best describes your loved one's social life?
Acknowledgment of Disclosures and Authorization
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.
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Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
Remember, this assessment is not a substitute for professional advice.
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The credit card creditors have the same claim to any assets remaining in the estate as any other creditors would have...if there are assets remaining when the decedent dies. They can file a formal claim during probate...or cause a probate administration to be opened if one has not been otherwise.
Consumers were supposedly going to be protected by the 2009 CARD Act. The 2009 bill has provisions that are going into impact throughout this year. One provision of bill needs something simple. That credit cannot be issued unless the person getting the credit can prove that they can repay the obligation. The bill is causing some severe unintentional consequences, however. Stay-at-home spouses are very possibly going to be losing financial freedom, under the provisions of this bill.
If a will is probated with the courthouse, the credit companies have the right to claim payment. I would send in a death certificate first, however, before talking to them. If you do not probate a will, a death certificate should suffice. There are nuances to each situation, however, that may indicate a need for assistance from an attorney. Each state can be different, so check with your county's courthouse.
If they are unsecured credit cards issued in their name only, the Death Certificate might be sufficient. But you're never sure with those vultures. Not only do they take out insurance on every card/account, but they also try to collect from family members named in proxies & testaments after the individual has been dead and buried.
Also note, that even if the credit card companies write off the bad debt, they can declare the balance written off as income to the decedent in the year that they write off the credit card balance. So you can end up with the estate owing tax on the income to the federal or state government. You would get a 1099-C for the bad debt write off. If it's a joint account, the bad debt could also show up on the credit report for ALL persons on the account. Just make sure to collect the paperwork when you calculate the estate's final tax return just in case, Helen
Everyone above is correct. Any outstanding debt (liens, credit card debt, loans, etc.) goes against any assets that are left in the estate. The estate pays debts in a certain order. If debt is incurred by any party, it is only right that it be paid back either during a person's lifetime or after they pass (although I do not agree with the sometimes agressive tactics used to collect it.)
My mother has no house, property, etc. Just Life Estate which her step-son is suing to get due to her dementia. Mom is now at Behavioral Unit at the hospital then she will be placed to a nursing home very close to my house. I have been taking care of her in my house for 2 and half years now. She has maxed out Bank of America credit card that I wonder if they come after me, but I don't own anything valuable and I am her POA. I did use her credit card to buy her meds, food and things she needed like new eye glasses and dental work before she reached the donut hole. But remember that she had 8% interest rate before all credit cards raised everyone's interest rates. Hers jumped from 8% to 14.99 causing a surge in the balance for no reason, she had had that credit card for many years with no problem. I wouldn't want to worry about BoA plus they all got bailed out money and then raised everyone's interest rates just for profits.
If your parent or loved one is living on a fixed income and they do not have assets (i.e., a house in their name), they essentially are judgment proof. You can send a Cease and Desist letter, indicating they are only receiving social security benefits and, therefore, they are judgment proof. This can be done while your parent is still alive. You can contact any legal aid office, and they will mail you the form. Fill it out and have your parent sign it, and send it to the creditor with all the appropriate information. If they continue to harass you for payment, you can report them to the Federal Trade Commission in Washington DC. If it is a law firm harassing you, you can report them to Grievance Committee in the county the law firm is located in. My great aunt had fraud perpetrated upon her. Her home is now in pre-foreclosure and she has tens of thousands of dollars in credit card debt. I just sent out over a dozen of documents. It is best to send the document certified, return receipt requested. It costs about $6 per letter, but is is worth the extra money because you have a receipt indicating the document as received by their office. Once it is established that your loved one is judgment proof, it should make things easier after they pass on to establish they had no assets, and the debt was theirs and theirs alone.
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.
If they are unsecured credit cards issued in their name only, the Death Certificate might be sufficient. But you're never sure with those vultures. Not only do they take out insurance on every card/account, but they also try to collect from family members named in proxies & testaments after the individual has been dead and buried.
-- ED
As the new neighbor across the hall says: "You're fierce!" Great tip.