Sick elderly parents need help with old credit card debt
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Hello there. This is my first question on this website. Hopefully someone is able to guide me.
My father is 74 and very ill and my mother is 70 with cancer. They were keeping up on their credit card payments until they got worse healthwise. Now they are putting their money into medications and health insurance. My father goes to the VA Hospital because they can't afford to pay insurance for both of them.
So a couple days ago they got a court summons for February 6th on an older credit card. Their income is only about $20,000 a year and that's SSI and a very, very small pension.
Like I stated above they are both very ill and this added stress is not helping. I tried to call the lawyer that was taking them to court and they were very rude and not willing to help.
My parents are not financially able to pay this debt back.
Does anyone out there know what they can or not do? They do own their home, but that's all they have. We are in the state of Missouri.
Any advice would be much appretiated.
Sick elderly parents need help with old credit card debt
Thanks so much for your help. I was afraid that's what would happen. They do own their house outright. The credit card debt is $9,000. This is not the only one though. Just the only one right now that is going after them. They have lived there almost 20 years.
I guess the lien isn't the worst thing in the world to have happen. My mom is just very scared.
Do you know if she should try to go to court? What if she doesn't show up and could we send a letter to the judge letting him know they are too sick to appear?
Sick elderly parents need help with old credit card debt
They did a reverse mortgage a couple years ago to pay their taxes that were a couple years past due. Can a lien be put on their house with a reverse mortgage?
They do owe the money just can't afford to pay it right now.