calls about parents debt

by c b
(chicago, il)

I keep getting calls about my parents credit cards they are both in a nursing home .

There is no money to pay the bill .

Comments for calls about parents debt

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Dec 04, 2011
calls about parents debt

Unless you co-signed for their credit cards or you have power of attorney for your parents finances, the collectors should not be contacting you about your parents' debts. The federal Fair Debt Collection Practices Act (FDCPA) prohibits collectors from calling anyone other than the person who owes a debt unless a collector needs to find out how to contact that person; but if a collector calls for that purpose, he cannot indicate why he is trying to locate the debtor. In other words, the collector cannot say that he is trying to collect a debt. Also, unless you co-signed for your parents' credit cards, you are not legally responsible for paying the money they owe.

If you have power of attorney for your parents' finances, you can write a letter to each of the collectors telling them that you do not want to be contacted again about the debt they want paid. Make a copy of each letter for your files and send the original letters via certified mail with a return receipt requested. Once your letters are received, the collectors are legally obligated to stop contacting you. Before you write these letters however, you ought to read our advice on using a cease and desist letter to stop a debt collector.

If you don't have power of attorney for your parents finances and you did not co-sign for their debt and if the collectors are calling you to demand payment, not to try to find out how to locate your parents, then you may have grounds for a lawsuit against them. In that case, I recommend that you check out the resources here consumer law attorney.

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