Q: Should I inform my elderly mother's cc company by letter she cannot pay her minimums anymore, or just let it go?
My elderly mother's SNF rent/expenses are paid by her SS and pension, plus family contributions. I am her POA and do her bills. She can no longer afford her cc debt minimum payments (neither can we), and will die with no assets. She is in hospice and late 90s so not likely to live another year. The cc debt will not be paid anyway when she dies as nothing is left. No savings, anything. I have been advised to just stop paying, which I have as of 2 months ago. Her mail goes to a PO Box and phone calls to her cell in my possession so we are not bothered by creditor calls. I was advised to not even write a letter, just ignore and handle when she dies, but that could be a while. Should I inform the cc company by mail that she is indigent and debt will not be paid? I don't want to have my name involved and get hounded by a creditor in her place--so I am reluctant to sign my name. But I also feel better informing them (it is a major US bank company).
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