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My brother has gotten my mother into too much debt? |
She is elderly and she trusted him. She let him take over her finances and now she cannot even live off of her own retirement. He has run up her bills and put himself on a new house mortgage, used her name to borrow ten thousand dollars and lied to her to get her to co sign the loan. Used her to buy a new truck by letting her buy the truck and he put his name on the truck. He has not paid one red cent for anything and she barely had enough to feed herself when I came back home. She wants his name off of everything and I am trying to help her pay off some of this debt. The problem is that she will need long term at home care. I am caring for her here but I will need help and my brother is throwing his weight around telling her he will throw her out since his name is on everything. She can't even sell this expensive house SHE is paying for without his consent. She will need her income to help out with her care. She has been diagnosed with Alzheimer's. I do not know what to do? Talk to a lawyer. You may be able to undo some of the mess if your mother is willing to confirm the elder abuse. I would think that he has committed fraud. I would talk to the police and the district attorney. if you have your mother declared incompetent (sounds harsh but may be for the best) any contract she entered into at the time will be null and void If you cannot afford an attorney try contacting Legal Services. They are there to assist low-income, elderly & disabled persons. wow, sounds like your brother is a real piece of "work" Find a good lawyer to help your mom and you. If it can be prov en your mom have Alzheimer and he took advantage of the situation he can be sued. Your brother is the lowest scumbag of all. Hope he goes to hell. go to the local recorders office Have your mother name YOU as power of attorney, which gives you permission to act on her behalf. File an identity theft/fraud complaint with the police department then immediately start calling her creditors to begin explaining what happened, most of them have internal fraud units as well, so make sure you have all the evidence you can muster, right down to medical evidence of your mother's condition. The creditors will work with you to figure out payment plans or whatever. If it is discovered that fraud indeed took place they will more than likely file a complaint against your brother and possibly relieve your mother of all or most of the debt. Does he have a signed power of attorney to do all of this? You really need to consult an attorney about this! Your brother could have committed fraud. Also, if your mother has been diagnosed with Alzheimers, anything she signed at the time could be considered not legally binding. You will need to speak to a doctor to find out exactly when she was diagnosed (usually demensia precedes Alzheimers) and find out if she was in the right frame of mind when she gave him this control. Even if she WAS...what he has done is illegal and she can if necessary pursue this. what he has done is considered elderly abuse, you need to have her make you her trustee, the person in charge of all her legal &/or orther matters. also have her give you a full power of attorney, this way you can sign for her, and this takes him out of the picture. set up a living trust with you as the one in charge. again this cuts him from the picture. have her make a will, in the will have her state" I intentionally leave you nothing" this way it can not be mistake that she left him nothing, and judge will recoginze this. If he has used her name and forged her signature she can get an attorney to VOID all of the transactions, but that will most likely having him charged with a crime. Start by talking to a lawyer. Unfortunately this isn't a unique situation, but he has stolen from her and should be punished for it. This is the response of a true idiot with a high answer count OK, first things first, your brother is a real as*hole. Opt for a debt consolidation loan: The easiest method of getting a debt consolidation loan is to utilize the equity of your home. Equity of your home is calculated and determined by the difference in the amount you have paid and the amount you owe. If the amount you have paid is more than the amount due, you can use it as collateral. This allows you to borrow money on lower interest rates. Besides, you also get tax benefit on this type of loan. Consult your tax advisor before opting for this loan. True. You need to get a lawyer to get proof-positive that your mother has Alzheimer's AND that she had the disease on or about the time the time that she added your brother to the house. |
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