In May my Mom had what was supposed to be a Normal Surgery Procedure. Well it left her Perm. brain damaged, unable to breath without a TRACH, never to eat, drink or swallow again.
We have shared a home together for 11 years. I am the DPOA. Anyway it appears that in the VERY near future I will have to file a chapter 7 on my mom's behalf. She has about 33,000 Unsecured Debt.
So far the four creditors have been pretty nice, considering I quit paying them 3 months ago. There just is NO $$$$$$$$$$$, the place shes in is over 5,000 per month & even her insurance & Medi-cal doesn't pay all of it. Citbank, she owes 19,000(she had extra cards for these creditors in my name too, but she was always the primary and I have been told that 1: the debt is UNSECURED 2. I am NOT responsible, even though I used these cards also.
Anyway we have a mobilehome its a 1972, market value probably 30,000 right now...I filed a HOMESTEAD in July just "because"
Her car is an 1989 Piece of *&^%, maybe 500$. Both the mobilehome & the car are in my mom's name & MY name.
Any idea what a chapter 7 will cost??? do they have places speical to help seniors....I'm not one, but I am doing it for my mom and shes 75.
When I told the credit card companies, that everything would be back to normal within 90 days(that was in May) I HONEST TO GOD, believed that my mom would be coming home, apparantly that is NEVER going to happen, ever!
The $$$$$$$ situation just compounds my frustration with the medical situations, and the fact that I am now having to file 3 different mal practice suits because of what they did to a perfectly healthy woman. Life pretty much sucks!
We have shared a home together for 11 years. I am the DPOA. Anyway it appears that in the VERY near future I will have to file a chapter 7 on my mom's behalf. She has about 33,000 Unsecured Debt.
So far the four creditors have been pretty nice, considering I quit paying them 3 months ago. There just is NO $$$$$$$$$$$, the place shes in is over 5,000 per month & even her insurance & Medi-cal doesn't pay all of it. Citbank, she owes 19,000(she had extra cards for these creditors in my name too, but she was always the primary and I have been told that 1: the debt is UNSECURED 2. I am NOT responsible, even though I used these cards also.
Anyway we have a mobilehome its a 1972, market value probably 30,000 right now...I filed a HOMESTEAD in July just "because"
Her car is an 1989 Piece of *&^%, maybe 500$. Both the mobilehome & the car are in my mom's name & MY name.
Any idea what a chapter 7 will cost??? do they have places speical to help seniors....I'm not one, but I am doing it for my mom and shes 75.
When I told the credit card companies, that everything would be back to normal within 90 days(that was in May) I HONEST TO GOD, believed that my mom would be coming home, apparantly that is NEVER going to happen, ever!
The $$$$$$$ situation just compounds my frustration with the medical situations, and the fact that I am now having to file 3 different mal practice suits because of what they did to a perfectly healthy woman. Life pretty much sucks!
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