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I sure don't know, but this is in the hands of an elder law attorney, right? That should provide the answers you need.
Yes--my mom helped me apply for credit cards in our names--but then my ex stopped paying alimony and my world crumbled. I had been paying everything on time, but found myself unable to--and then the collectors wound up calling my sister. My sister (POA) paid everything off, and told me that I would receive nothing when my mom passed. My other sister (who is an addict) continually threatens to call the Police, have me thrown in jail and have my children taken away......**sigh**.
My disability is severe depression--and this isn't helping things, I must say.
Anyway--I guess we will know more next week. There is supposedly some "loophole" of being able to give your disabled child the assets without it being considered an attempt to "hide" the money.
I'm unclear, but next week's appointment cannot come soon enough!
Thanks again for everything, Jeanne!