By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or
[email protected] to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our
Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our
Terms of Use. for information about our privacy practices.
P.S. Could not post a cute pic but send me your email if you like and I can send it direct to you . Keep smiling !
He also bought a device that was supposed to give him really cheap phone service, but had a contract with it for 5 years that ended up being more than $100 per month because they sent him 2 devices. That bill he took to his bank, and the bank manager got involved. After a few phone calls, and some threats, the $$ charges were stopped.
I hope there is a special place in hell for these people that take advantage of the elderly.
I contacted the magazines and explained what had happened and ask them to shorten the subscriptions and return some of the money. It took about 6 months for this to happen, but they complied. My friends had enough money, so that wasn't the issue. It was the scamming of older people who couldn't keep track of these things that mattered to me, plus my friends cold no longer process the content of the magazines, so they were a waste. I ended up bringing the magazines to the school my friend used to teach at for the teachers there to be able to use.
So, get the credit card so no more spending will take place, and contact those magazines to see if some money can be returned. When I got my friends moved into a memory care apartment, I stopped their phone service, too. There was no way to contact them and they were safe.
Just trying to put perspective on the situation.
They can make adjustments on accounts and that’s what a credit counseling service negotiates. They will also offer to combine all the debt but that one payment will seem undoable.
As long as they have no access to your mom by phone or mail, I like the advice given by the attorney. Pay the debt last, after living expenses.
They took advantage of a little old lady. I wouldn’t worry too much about them except for protecting her home.
Charlotte
You really cannot change this situation most likely .
I think if I were you , I'd stop trying to control her . Perhaps ask the recreation co-ordinator if there is one , what activities they might be able to encourage her in .
Or perhaps you can work with her once a week for an hr on something she loves ?
Life is short and there are too many regrets once she is gone .
This issue will resolve itself when she is gone .
For now , please just love her .
That being said, I've helped a number of older people file bankruptcy because it's one appearance at a trustee's hearing and the debt is gone. Otherwise you are dealing with harassing debt collectors and multiple court appearances. Talk to a local bankruptcy attorney. It never hurts to get more information.
There was a program for seniors for this readon and he was still able to keep his house.
A Credit Counselor should work to help bring the debt down. First, credit cards can be frozen. Her debit/atm card shredded. Good that you closed the her acct and opened a new one. The best thing is have the counselor work on getting her charges down. Credit cards can get around late and finance fees. Once that is done you consolidate the debt so you have one payment. One she can afford, When she passes, if there is still debt, it dies with her unless she leaves a house that can be sold or money. You cannot be held responsible.
https://www.consumer.ftc.gov/articles/0153-choosing-credit-counselor