In laws and Retirement

[kwillia]

There's nothing rdkarob can do about how her in-laws are spending their money right now. She can rant about it and find a sympathetic ear, but that's about it.

Agreed.

 

[rdkarob]

Actually, the places that we've investigated for our mom, the waiting period is very narrow. If we wanted to put mom in nursing care tomorrow, we'd probably be able to do it. However, I'm sure that the scenario would be much different if we had to rely on Medicare to pay for her nursing home care. If there is self-pay or insurance doing the paying, the nursing home will bend over backwards to get you in. From waht I can gather - and I may be wrong - the Medicare slots are few, and the demand high, so the wait can be awhile to get a Medicare-paying space. Please correct me if I'm wrong.

You are absolutely correct, very few spots and it stinks for us.....the children of these people I am not saying I will not take care of her but her spending habits right now are very selfish. She knows she is racking bills up and doesn't care. I wish you all knew her...you would understand

 

[rdkarob]

Send her over to live with me, she can QVC all day long. I love old people.

PM me with your number and I will keep it on file.....get ready...oh and have lots of beer on hand.....Thanks a million

 

[aps45819]

So Vrai's and Ap's assumptions that the government will just take care of it are overreaching and rdkarob has valid concern and will most likely be moving MIL into the play room.

It doesn't sound like the MIL needs extended nursing care. I said she would probably qualify for low income housing assistance.

 

[vraiblonde]

you would understand

Why do you keep saying that? I think we all understand just fine.

Your in-laws don't have a pot to piss in and they're racking up debt like maniacs buying things they don't need. Your FIL has cancer and is not long for this world, and you fear your MIL will be moving in with you because she won't be able to afford living on her own.

This is selfish on their part and frustrating for you because you have no control over the situation.

What part isn't understandable?

 

[vraiblonde]

I said she would probably qualify for low income housing assistance.

That would be an option. Crack whores (not 's ex) with 12 kids get free housing and a check every month - why couldn't Mamacita, considering she (or at least her husband) has paid into the system?

 

[vraiblonde]

AND Mama could consider getting a J-O-B to fund her QVC habit.

 

[baileydog]

I don't see how you could be held responsible for their bills, but on another note do you realize it will take approx $10,000 plus for one funeral should you chose a burial? Does hubby have any siblings?

Why would a person spend 10,000 for a burial when there is NO money and no Ins. Whats wrong with 500.00 cremation and no service. Just have something at the house and call it a day. Thats the way I want it. I got better things to do with that kind of money than put you in a box then put box in ground. Never understood.

 

[Angel]

Ironically enough this article just happens to be one of the headlines on my home page tonight. Thought I'd share it with you.

 

[Christy]

PM me with your number and I will keep it on file.....get ready...oh and have lots of beer on hand.....Thanks a million

QVC and beer. Got it. She can have my kids playroom since they don't much use it anymore.

Seriously though. I really hope you don't push your husband in to confronting his parents. Nothing good will come out of it. Life (especially their's) is too short to live it bickering with family, especially over money.

 

[kwillia]

Ironically enough this article just happens to be one of the headlines on my home page tonight. Thought I'd share it with you.

What a great article!

What you owe when your parents go

Children aren't on the hook for their parents' unsecured debts -- credit cards, personal loans, medical bills -- unless they had agreed to take on the responsibility, said attorney Denis Clifford, a co-author of the Nolo Press book "Plan Your Estate." You'll typically share liability for a debt if:

You were a co-signer on a loan. Co-signers are just as responsible for paying off a loan as the primary borrower.

You're a joint (not an authorized) account holder. If your income and credit history were used to get the loan or credit card, you're generally responsible for paying it off. If you were only an authorized user of a credit card, you're not.

You abused a power of attorney or conservatorship. If you had responsibility for your parents' finances and spent their money on yourself, you're responsible for paying it back.

 

[kwillia]

Michele's troubles may not be over when her grandfather dies. A growing and lucrative market for old debt -- see " 'Zombie' debt is hard to kill" -- has led some collection agencies to pursue credit card bills even after an insolvent person dies.

One of my readers told me a collection agency insisted he had a "moral obligation" to repay his father's debts. If this happens to you, take a moment to savor the irony of being lectured about morals by a clearly unethical collector. Then hang up.

I'd be beyond pizzed...

 

[kwillia]

Steps you must take when someone dies

When a family member dies, there's work to do. But thinking through what tasks must be done, by whom and when, can be all but impossible. Keep this guide handy.

 

[CMC122]

I'd be beyond pizzed...

When my FIL's brother died the creditors started harrassing the siblings for money for the brothers debt. They ended up having to get a lawyer to settle everything

 

[kwillia]

When my FIL's brother died the creditors started harrassing the siblings for money for the brothers debt. They ended up having to get a lawyer to settle everything

WTF...

 

[Chasey_Lane]

WTF...

I've heard of stories where the creditor has actually asked for the deceased new address.

 

[kwillia]

I've heard of stories where the creditor has actually asked for the deceased new address.

VerizonWireless wouldn't let mom close out dad's phone account when he died because she wasn't the "primary" on the account. She gave them notice in writing, including a death certificate, but still had to make several phone calls to get them to stop sending her monthly bills. It finally ended when she told them "he no longer lives here and then gave the ditz she was on the phone with Echols Funeral Home as the forwarding address. They closed the account.

 

[Chasey_Lane]

VerizonWireless wouldn't let mom close out dad's phone account when he died because she wasn't the "primary" on the account. She gave them notice in writing, including a death certificate, but still had to make several phone calls to get them to stop sending her monthly bills. It finally ended when she told them "he no longer lives here and then gave the ditz she was on the phone with Echols Funeral Home as the forwarding address. They closed the account.

Unbelievable!

 

[BadGirl]

Ironically enough this article just happens to be one of the headlines on my home page tonight. Thought I'd share it with you.

Thanks for posting this article. Some really good information.....

 

[baileydog]

Better yet, donate the body to science.

I tried to do this when my useless father died. (long story, wont go there). No one would take him. This was in Florida in the late 80's. Finally had him burnt up for 350.00 and called it a day. That was more than he deserved. And I will be more than happy to do the same for my suckazz in laws.