# Nursing Homes and Credit Card Debt- what happens now? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [October 12, 2015, 3:37pm UTC](https://boards.straightdope.com/t/nursing-homes-and-credit-card-debt-what-happens-now/734429 "2015-10-12T15:37:36Z")\ **Posts on this page:** 7\ **Page:** 2
**Author:** ![purplehearingaid](https://avatars.discourse-cdn.com/v4/letter/p/7bcc69/32.png) [@purplehearingaid](https://boards.straightdope.com/u/purplehearingaid)\ **Post date:** [October 17, 2015, 4:21pm UTC](https://boards.straightdope.com/t/nursing-homes-and-credit-card-debt-what-happens-now/734429/21 "2015-10-17T16:21:38Z")
> [@Fear\_Itself](#): > > Ask them for a mailing address, and send them a cease and desist letter. They can no longer contact you unless they bring a lawsuit or other legal remedy. > > [Fair Debt Collection Practices Act | Federal Trade Commission](https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text#805) If the OP does this they should made a copy of the letter and send it to their self and do NOT open the letter. They should put it in another envelope and write on it what the letter is for. The stamp on the letter made this a legal document . ---
**Author:** ![northporlarbear](https://avatars.discourse-cdn.com/v4/letter/n/7bcc69/32.png) [@northporlarbear](https://boards.straightdope.com/u/northporlarbear)\ **Post date:** [October 17, 2015, 5:08pm UTC](https://boards.straightdope.com/t/nursing-homes-and-credit-card-debt-what-happens-now/734429/22 "2015-10-17T17:08:06Z")
Well, thank god I don’t have any moral nor legal debt. Completely nothing to cling to. I shouldn’t have anything on me. ---
**Author:** ![northporlarbear](https://avatars.discourse-cdn.com/v4/letter/n/7bcc69/32.png) [@northporlarbear](https://boards.straightdope.com/u/northporlarbear)\ **Post date:** [October 17, 2015, 5:21pm UTC](https://boards.straightdope.com/t/nursing-homes-and-credit-card-debt-what-happens-now/734429/23 "2015-10-17T17:21:48Z")
Unless twisting what personation actually is, I have no debt at all not to mention false incommensurate punishment being illegal. ---
**Author:** ![slash2k](https://avatars.discourse-cdn.com/v4/letter/s/439d5e/32.png) [@slash2k](https://boards.straightdope.com/u/slash2k)\ **Post date:** [October 17, 2015, 6:05pm UTC](https://boards.straightdope.com/t/nursing-homes-and-credit-card-debt-what-happens-now/734429/24 "2015-10-17T18:05:53Z")
> [@purplehearingaid](#): > > If the OP does this they should made a copy of the letter and send it to > their self and do NOT open the letter. They should put it in another envelope and write on it what the letter is for. The stamp on the letter made this a legal document . Nope, the stamp on the letter proves you sent yourself something; it’s worthless in proving whether you ever sent anybody else anything. Send the letter to the creditor certified mail, return receipt required (that means the creditor has to sign for it), and then keep that return receipt. ---
**Author:** ![Quartz](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/quartz/32/267_2.png) [@Quartz](https://boards.straightdope.com/u/Quartz)\ **Post date:** [October 17, 2015, 6:11pm UTC](https://boards.straightdope.com/t/nursing-homes-and-credit-card-debt-what-happens-now/734429/25 "2015-10-17T18:11:56Z")
> [@salinqmind](#): > > No assets, house in my name for years. How many years? In the UK, there’s a period of liability of 7 years for gifts for many matters, most notably inheritance tax. ---
**Author:** ![salinqmind](https://avatars.discourse-cdn.com/v4/letter/s/3ec8ea/32.png) [@salinqmind](https://boards.straightdope.com/u/salinqmind)\ **Post date:** [October 19, 2015, 9:47pm UTC](https://boards.straightdope.com/t/nursing-homes-and-credit-card-debt-what-happens-now/734429/26 "2015-10-19T21:47:58Z")
Everything is kosher. Everything was taken care of YEARS ago. The house is in my name, mom’s social security and pension are taken by the nursing home and she is also getting Medicaid. I am out of it. She has a small checking account of about $3000. When I pay the nursing home what is owed them, I will have to close this checking account. Her only bill is the credit card payment. If I don’t write a check out of this checking account, they call up and deduct it over the phone, if you know what I’m talking about. Once I close the account, the credit card co. is going to be out of luck. all I’m wondering is, will I be dunned with phone calls and threatening letters? I don’t see why. I am not my mom. She has nothing more to give them. ---
**Author:** ![Urbanredneck](https://avatars.discourse-cdn.com/v4/letter/u/ea5d25/32.png) [@Urbanredneck](https://boards.straightdope.com/u/Urbanredneck)\ **Post date:** [October 20, 2015, 5:28am UTC](https://boards.straightdope.com/t/nursing-homes-and-credit-card-debt-what-happens-now/734429/27 "2015-10-20T05:28:05Z")
This is why anytime an elderly person wants to give money away to anyone, they need to do it before they go into a nursing home. Dont put it into a will because it probably wont still be there. [Previous page](https://boards.straightdope.com/t/nursing-homes-and-credit-card-debt-what-happens-now/734429.md?page=1)