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HOWEVER
If your mom is still alive, I think you are getting a bit ahead of yourself on this though. Right now if she is seriously delinquent in paying her CCs, the CC issuer will close out her account, write it off (this part is important, more below) and if so inclined can file a lawsuit against her, go to court and if she doesn’t show up, they can get a judgment against her which can be placed on property she owns, IF YOUR STATE allows for this.
But even if the credit card company (it’s called the OC aka Original Creditor in debt collection speak) do not do this, they can actually do other things to muck up mom’s life. When OC writes off the debt, it can be for balance owed + any fees they can add on and all the interest they too can add on till the write off is processed by the OC via the issuance of a 1099 Cancellation of Debt. Can issue mom a 1099 for this whole amount not just the balance you have on her statements. OC will send a copy of the 1099 to the IRS and it will be considered income to mom and she will owe taxes to the IRS on it. It like other 1099 get sent Jan/Feb for the prior year’s taxes. Yeah…..horrors! If amounts she owes are large, this could be quite substantial 1099s coming to her for her 2024 or 2025 taxes from each OC. Fwiw Any creditor owed more than $600 can issue a 1099 if they write off the debt.
Why this is especially important is that it is the IRS who is owed taxes on this “phantom income”. IRS is a supercreditor and can attach any SSA payment she gets to pay off taxes owed. Other types of creditors do not have this ability but IRS and State taxing authorities do. It seems to vary as to the amount be taken by the IRS, seems to be 30%. But if your mom absolutely needs every penny in her income or is on LTC Medicaid which requires a specific copay to the NH for almost all her income, this will become a serious problem. Sometimes it can be dealt with by having a CPA do her taxes to establish insolvency, done by Form 982 and Section 1082 filings. Not a DiY, it’s CPA work. Otherwise she should expect a % of her income to go to the IRS. It’s not pretty.