Legal Question in Credit and Debt Law in New York

Re: alzheimer patients debt responsibility

Her condition unfortunately is not a defense and won't slow the collectors. You should contact the companies and try to work out a short payoff - and possibly sell the property and pay off everyone. One stopper is, unless you have power of attorney, you must get guardianship over her first - Article 81 Guardianship - a lawyer in your county could help. We are in Nassau County and service Nassau, Suffolk and Queens - call if you need help - five one six, two four eight, four thousand.

Re: alzheimer patients debt responsibility

In addition to the information about guardianship in the preceding reply to your question:

Note that the law exempts Social Security payments from being taken by debt collectors and the law similarly exempts some types of retirement plan payments and annuities from being seized by creditors.

Therefore, if the account is frozen, there are legal procedures to compel the creditor to release at least those funds which you can prove are your mother's Social Security payments and possibly your mother's retirement benfits as well.