If your mother has capacity, then there is nothing you can do. You cannot protect her from herself. If she has diminished capacity, then there are a number of options, including reporting her to Adult Protective Services. You should contact an attorney, share all of the facts of the situation and determine how best to proceed.
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I am sorry for your situation. You don't really address whether your
mother is competent. If she is willingly deciding to gamble with her
inheritance, she is free to do that. However, if she is not competent to
make money decisions, that is another matter. If she is not competent,
you could seek to have a conservator appointed by a court. You will need
a lawyer experienced in that kind of litigation to assist you. Good
Attorneys Holbrook & Frederick are correct. Typically, as long as your mother has capacity, she is entitled to do what she wants with her assets. If she has diminished capacity, please follow Attorney Frederick's advice. If she's still "all there", she may come to recognize at some point that her money's running out the door to her elder daughter and various casinos. At that time, she may consider establishing an irrevocable trust with a trusted third party acting as Trustee. The Trustee will manage her assets and make sure that the funds only benefit your mother and that casino trips are few and far-between. Good luck to you.
: have your mother sit down with an estate planning
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Unfortunately, it seems that you need to curb Mother's mindframe. While she is alive and well and has all faculties, then Mom can do with her money what she wants; including going out and having fun with one of her children. If sibling were just TAKING Mom's money and doing same, then you could take either civil or criminal action. OR If you feel that Mom is feeble-minded or under duress or undue influence, then you could initiate a guardianship action. Your Mom's debt cannot be transferred to her children upon her death; but she could jeopardize any inheritance that you or they expect or might rely on. The worst part, is that if you start legal action and it turns out the Mom's cognition and faculties are sufficient to enable her to make her own decisions, then YOU are the one who appears to be selfish and inheritance hungry, rather than "prodigal child".
veRONIca jarnagin, atty, pc 317-253-7664 provides this response as general guidance and not specific legal advice. If you wish to receive specific legal advice for your situation, please call to schedule an appointment.