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Carol
If your mom properly transferred the house 6 years ago so that it is legally titled in your name; & is recorded as such at the tax assessors or whatever govt. entity does that for where the house is, then you should be OK and the house is out of the reach of creditors as your mom doesn't own it/it is not an asset. You are not responsible for her debts. Most tax assessors have this information on-line, so try checking to make sure it was done OR look at your tax bill. Alot of counties send it out about now (fall/early winter) so that it can be reviewed & paid for Jan, 2012
Some states, like TX, have their laws such that credit card co. or whomever they sell the debt to cannot put a claim or lien on a homesteaded property to begin with.
You may want to look to see what your state's law is.
If you find the name hasn't changed and your have the paperwork to establish that it should have been, you'll have to go to the assessor's office and walk it through for the change. Be super nice & sweet & kinda dimwitted(LOL) & go early. If she had an over 65 exemption and you don't qualify for it you will need to pay the difference on-the-spot for those years to get the paperwork done in 1 trip. Some assessor's office will only change so that you get the scannned/filed/recorded
paperwork, which can be called an instrument/conveyance/deed of trust, IF ALL is paid in full and current - which mean you pay whatever IN CASH right there and then or via a credit card (which usually has a % surcharge). Checks can take days/weeks to clear and the paperwork will take longer because of that. This can take up to 90 days to get back and you probably don't want that.
It's good to have the paperwork together anyways so you have it if mom ever needs to apply for Medicaid. Your good there are the review period is 5 years.