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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.
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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.
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Mortgage is to the max. There is no money for repairs or mortgage payments. bank is threatening foreclosure. should I let them foreclose or file bankruptcy on her behalf. I have dpoa.
You can just have mom "drop & walk" as in drop off the keys to the mortgage holder and walk away. Ton's of folks have done this already. Totally a cluster to a credit score, but that likely is not an issue for your mom. If you do this, please send the keys with the address attached to the mortgage holder and mail it certified mail, return registered receipt (the green card) at the Post Office. It will run about $ 8.00. The RRR will come back to you with a signature of whomever received it and you need to keep this someplace safe to prove you mailed it.
But you have to give some thought as to what realistically is mom's situation as far as her length of time to still be here, on hospice and what degree to caregiving you all can provide in your home. This is a harsh reality that you need to think about.
I bring this up because, when the caregivers get to the point where they cannot continue to provide the care needed (hospice doesn't do everything), then family realizes that a nursing home will be needed. Here is where it can get sticky, Medicaid is run by each state and you have to be a resident of the state. Mom - because she owns property out of state - will not be accepted on Medicaid as her "owning" the property will keep her from being eligible. If she does a drop & walk, then until it goes through foreclosure, it still is her asset. Depending on her state and the bank, this could take months & months. All the while she would be ineligible for Medicaid. If she instead sells it, the $ from the sale will have to first go against the mortgage and anything left over will become a spend-down asset before Medicaid will pay. So make sure that if you do a sale and there is $ left after the mortgage is paid, that it is 100% completely spent on her, her care and her needs.
Foreclosure's are mess to deal with because if she sells it below the payoff for the mortgage, then it will be a "short-sell" or "short sale"and you kinda have to have bank approval to do this. Short sells take more time and the bank can reject the offer. Total PIA. If you think the bank is going to take the stance that it's the whole amount due no matter what, then send them a letter with a copy of something official that Medicare hospice is happening for her, and clearly state that she is on hospice and either they work with you to sell the house for whatever or they can deal with probate court in another state to clear the title and the property may just also have a Medicaid claim or lien on it too if mom ends up in a nursing home. Good luck.
How far under water is the property? Would it be worth preserving if you had $20,000 to spend on it? Does she have other debts that could be forgiven in bankruptcy?
Do whatever is easiest and cheapest. You probably don't need to worry about her credit score.
I don't think anyone of us can really give you an answer. It is best for you to contact an attorney specializing in foreclosures/bankruptcies in her state.
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.
But you have to give some thought as to what realistically is mom's situation as far as her length of time to still be here, on hospice and what degree to caregiving you all can provide in your home. This is a harsh reality that you need to think about.
I bring this up because, when the caregivers get to the point where they cannot continue to provide the care needed (hospice doesn't do everything), then family realizes that a nursing home will be needed. Here is where it can get sticky, Medicaid is run by each state and you have to be a resident of the state. Mom - because she owns property out of state - will not be accepted on Medicaid as her "owning" the property will keep her from being eligible. If she does a drop & walk, then until it goes through foreclosure, it still is her asset. Depending on her state and the bank, this could take months & months. All the while she would be ineligible for Medicaid. If she instead sells it, the $ from the sale will have to first go against the mortgage and anything left over will become a spend-down asset before Medicaid will pay. So make sure that if you do a sale and there is $ left after the mortgage is paid, that it is 100% completely spent on her, her care and her needs.
Foreclosure's are mess to deal with because if she sells it below the payoff for the mortgage, then it will be a "short-sell" or "short sale"and you kinda have to have bank approval to do this. Short sells take more time and the bank can reject the offer. Total PIA. If you think the bank is going to take the stance that it's the whole amount due no matter what, then send them a letter with a copy of something official that Medicare hospice is happening for her, and clearly state that she is on hospice and either they work with you to sell the house for whatever or they can deal with probate court in another state to clear the title and the property may just also have a Medicaid claim or lien on it too if mom ends up in a nursing home. Good luck.
Do whatever is easiest and cheapest. You probably don't need to worry about her credit score.