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The problem here now is that you are a grown child. You will have now to make your own way in the world. That means job, money, savings, a home of your own even if you start at a rented room. You are not an 18 year old fledgling flying the nest, but a somewhat older fledgling; you are a fledgling, nevertheless.
I do not know here if your mother is competent or incompetent?
I do not know here if you mother's reverse mortgage will be paid off and the home sold for her care?
I do not know here whether you WERE POA and now your sister is?
All of these questions to the side, your mother either voluntarily went with your sister, or your sister somehow got guardianship of your mother. That reverse mortgage, now that mom is no longer (able to be) living in the home will quickly come due. The home will be sold to pay the mortgage loan and the rest of the proceeds your sister, as POA or guardian will have to safeguard and keep for your mother's care. She will be liable under the law and you should notify her that she best keep perfect records as you can file with an elder law attorney to ask the court to examine her POA or Guardianship/conservatorship papers to make certain she is not taking advantage of your mother and her money.
Good luck. I am very sorry, but the Forum sees over an over again the problems of a child who moves in to care for a parent and is left penniless, jobless, without a job history and homeless. We have gone so far as to suggest homeless shelter and refuge in the past. This is a tragedy, and--again--I am so sorry. Poor decision making in the past has now come home to roost.
You say you have lived with mom "off and on" for 25 years. You also say in your profile your mom is 46 years old. If that's the case, then she was about 21 when she had you? And I would then assume you're 25-ish? If this is indeed the case, there is no reason at all for you to not be able to find employment.
If mom is only 46, there is also no way she would have qualified for a reverse mortgage, you need to be at least 62. So, is that age of your mother a typo? Or are you misinformed about whatever loan had been taken out against the house? Could it possibly have been a home equity loan or line of credit?
For your sister to gain conservatorship over your mom, there would have had to have been a court hearing and/or interview of your mom by the court to make sure she was, indeed, not of sound mind and in need of conservatorship. If you live with mom, and are her primary caregiver, how did you not know this was going on, as you said in your first post?
Something about this story just doesn't seem right...
Where are you living now? What's your plan?
You should have been taking care of yourself right along, that is what responsible adults do.
Time to get moving and get your life on track. Good Luck!
You know that I generally agree with you on most things but the OP may be a middle-aged person with no marketable skills and no real job history.
A person like this being able to get a job and earn enough to support themselves is impossible.
People age out of jobs too. Even McDonald's isn't interested in hiring middle-aged people.
A desperate person facing homelessness who has no prospects doesn't benefit from being told off or from tough love. They need real help.
https://www.agingcare.com/questions/my-sister-closed-accounts-i-had-wmom-became-conservator-behind-my-back-took-mom-out-of-our-home-told-483029.htm?orderby=recent�
You need to find a way to support yourself.
The reverse mortgage that your mother has is a loan on her house and the house is used as collateral for the loan. The reverse mortgage company now has a lien on the house and they are expecting to be repaid for the money they paid out to your mother. Once your mother moves out of her house, the reverse mortgage company will sell the house to recoup their money.
As a young person, you should not be dependent on your mother for your financial needs. You need to find a job that will provide finance for you plus you will be able to get Social Security when you retire. In the meantime, while you are homeless like you said, you should go to your social service office in your county to see if they can provide housing and financial help until you find a job and a place to live.
As said, its time for you to go to Social Services for help. If you don't have a job, you need to get one. If you can prove a disability then you can get help with SSI, its a supplemental income. Then u apply for Social Security Disability. They maybe able to help with temporary housing. Food vouchers. Food closets.
I am assuming ur the 46 yr old. So sorry this is happening to you.
If the Reverse Mortgage Holder finds out your Mom is not living in her home, they will call in the loan. They can take over selling Mom's house and getting their money back, plus legal fees.
When you get a RV Mortgage, part of the loan requirements are that the homeowner must maintain homeowners insurance, pay the property taxes, and most of all...must live in the home as their PRINCIPAL RESIDENCE.
What does your Mom have to say about this? How did Sister manage to close the bank accts. without your Mom being with her and agreeing to it? Does Mom want you to be cut off (and possibly homeless), and loose her home in the process?
Sister must know this, so there is more to this story. Or sister doesn't know how she is jeopardizing your Mom's home ownership. That RV Mortgage must be PAID IN FULL once the Lender finds out Mom is not living there. There's a lien on Mom's house by the Lender that the Lender will enforce immediately. They will take over, sell the house and get their money back. Mom can't do anything about it, unless she has the cash to pay the Reverse off.
How was the sister able to do all of this without a POA? Have access to the mother's bank accounts and the reverse mortgage paperwork?
Unless the mother wanted things this way but doesn't want to be the "bad guy" who makes one of their kids homeless.
My mother would totally do that. Put the blame and scapegoat someone else for what she actually does and wants.
My advice to you is to go to legal aid, see if they can help, also go to social services and get whatever help you can with housing and benefits. If you have addiction issues, please try to get help for yourself. If you are disabled and can't work, keep trying to get whatever benefits you can to help you get back on your feet. Best wishes to you.
If this money was meant to 'help' you and her out, where is it?
Your sister cannot just boot you out and move mom in with her. She must have POA or conservatorship/guardianship because your mother is mentally incompetent and cannot make her own decisions anymore.
I think you should attempt to have a serious sit-down with your sister and lay it all out for her. That you are now homeless and don't know where you will be laying your head down tonight. She may act with compassion towards you. It's worth a shot.
Also, depending on the laws of your state, if you were your mother's caregiver you will be allowed a certain amount of time in the home to make other living arrangements.
In the meantime, advocate a little for yourself. Call your state's social services and see what's available in the way of assistance for you.
Good luck.