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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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If the house belongs to your father, it will form part of your father's estate when he passes away, and the estate will be liable for his debts. So unless the debt can be cleared from other assets the executor of your father's will - is that you? - will have to sell the house. You will have the option of buying your father's share of its value and keeping the house, or you can take your share of the property value once it's sold.
But it's not you personally who's liable, it is your father and after his death his estate.
If you're living in the house and want to stay there, you may want to find out if you can negotiate some other kind of repayment arrangement.
I'm sorry if this is bad news. But on the other hand, if you'd lent somebody 9K, and that person passed away, and his child walked off with substantial assets and left you with a bad debt, how would you like it?
9K is quite some debt for a 96 year old to amass on a credit card. How did it happen?
The following website, has some information on this. http://www.mondaq.com/unitedstates/x/347374/agriculture+land+law/What+You+Should+Know+About+Forms+of+Joint+Ownership It indicates that one person's share can be sued or sold. This indicates that Dad's share of the house could be sued to cover his CC debt.
You really need to get legal advice from a person who specializes in debt and estates. Perhaps you can get a mortgage on teh house to pay off the cc debt. That way it will not accrue any more interest. Mortgage interest rates will be much lower. If you plan to sell the house when Dad passes, then you can pay off the CC debt from Dad's share of the asset.
CM, I know of two men in their late 80's that have several credit cards and 10s of thousands on them with no ability to pay them off, unless they sell their home.
If you read the site you quoted, you will see that if the property is owned as Tenants in Common, then father's debt attaches to his share which is part of his estate. If it is owned as a Joint Tenancy between father and son, then the property automatically devolves to son. I usually explain it to people as the difference between two hands side by side covering the asset (tenancy in common), and one hand on top of the other (joint tenancy). Remove one hand in the joint tenancy and the other hand still covers the whole asset. Mrsbill needs to get a copy of the title documents, and get a lawyer to tell her the situation if she still doesn't understand.
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 it's not you personally who's liable, it is your father and after his death his estate.
If you're living in the house and want to stay there, you may want to find out if you can negotiate some other kind of repayment arrangement.
I'm sorry if this is bad news. But on the other hand, if you'd lent somebody 9K, and that person passed away, and his child walked off with substantial assets and left you with a bad debt, how would you like it?
9K is quite some debt for a 96 year old to amass on a credit card. How did it happen?
The following website, has some information on this. http://www.mondaq.com/unitedstates/x/347374/agriculture+land+law/What+You+Should+Know+About+Forms+of+Joint+Ownership It indicates that one person's share can be sued or sold. This indicates that Dad's share of the house could be sued to cover his CC debt.
You really need to get legal advice from a person who specializes in debt and estates. Perhaps you can get a mortgage on teh house to pay off the cc debt. That way it will not accrue any more interest. Mortgage interest rates will be much lower. If you plan to sell the house when Dad passes, then you can pay off the CC debt from Dad's share of the asset.
CM, I know of two men in their late 80's that have several credit cards and 10s of thousands on them with no ability to pay them off, unless they sell their home.