Our Mom is in Memory Care and unfortunately didn't qualify for any programs that would help with the cost of her care. All of her income plus supplement from three daughters goes to pay for her care. She also has a large monthly payment that goes out to American Express. Her Memory Care is going up in December which is increasing by $300.00 a month so we really need extra money for her care. The money she pays out to American Express each month could help with that increase so we thought if she stopped making payts to American Express she would be okay. We want to know what AE could do to her. We've tried working with them to lower her payt or to see if they have a program that forgives some of the balance and they don't have anything. And really weren't willing to work with us in anyway. We worry that if she stopped making payts they could attach her income. She gets income from Social Security, Military income from our Dad and a small annuity from the State of CA.
1. Only your Mom is responsible to pay AMEX;
2. AMEX cannot legally collect from you;
3. Your voluntary payments to AMEX are wasting your money;
4. AMEX will probably send past due notices when they stop getting payments;
5. AMEX has the right to file a lawsuit against your Mom for the balance of the debt;
6. AMEX will likely be unable to recover any money unless your Mom has money in her bank account and AMEX finds out about it;
7. Change your Mom's bank account or, better yet, have the account under your name and use it to pay her other bills.
If AMEX sues anyone other than your Mom, consult a lawyer.
You are not my client and I am not your attorney. This advice is given in the spirit of the AVVO platform and is based on general legal principles. You become a client when you enter into a formal retainer agreement with me.
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