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My Mother Was Recently Diagnosed With Dementia and She Owes Discover. – Kim

“Dear Steve:

First, I want to say thank you for your help with my debt situation as you made my decisions much easier to make with your answers. How ever I now need some advice regarding my mothers debt problem with discover.

She was recently diagnoised with the onset of dementia and is now living in an assisted living home for the past years and at that time we found out that she had a huge Discover Credit Card Debt.

We have been trying to make the payments for her but we are now reaching a point where that will be impossible for us to do. She has no assets or money and her assisted living facility is paid for by medicare and her social security.

Obviously Discover has been calling us to get the money, which I can understand however we keep telling them she has none. I just don’t know what to expect next as I have read online everything from they will take her to court to they will garnish her bank account. I just need to know what they can and can’t due to her or where we can go for some kind of help for her. We did go to a bankruptcy lawyer but she felt that it would cost more than it was worth. My siblings are concerned that they will be held realiable for her debt as they are the powers of attorney of her account. its just a mess



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Dear Kim,

First, let me assure you that any creditor can only reach into probate after death for any payments due. Debt is not inherited.

How much debt are we talking about here and how much money, approximately, does your Mother have in her checking account other than money from Social Security income?

I’m so glad I was able to help you.

READ  Do Seniors Need Debt Settlement or Debt Management?

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • im conservator over my mothers estate and half ownership of her property can i file bankruptcy in her behalf she has 2 outstanding leans on the property and she lives with me in my house but creditors are trying to force me to sell the house can i file chaper 7 to wipe out these debts owed in her behalf?

    • I’m assuming that your mother has passed away. I’m not saying it’s not possible, just that I can’t remember a similar case.

      Best advice, find a local bankruptcy attorney who is licensed in your state and go talk to them for free.

      Let me know what you find out so I’ll know for next time.


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