I should have explained more. the account I'm using is a joint account between my sister and my mother. My sister has given me access and said to use it for whatever I need. There's only about $500 a month in it.

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I have no problem bringing this up in bankruptcy. My concern is anyone making a case of me accessing the joint account, even if sister gives me permission to use the funds as I need.

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This is now a moot point, no need to reply....not filing for bankruptcy....talked everything over with my sister....this is all settled.....it's her account.

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Quote Quoting Mr. Knowitall
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You apparently have completely commingled your finances with your mother's, and have blurred the line between what's hers and what's yours. The power of attorney is not relevant - your treating every asset your mother has as if it's your own, for a period of years, is what creates the potential problem. You can discuss your situation with your bankruptcy lawyer.
Bankruptcy is completely off the table. Looking at another site on issues....as my mother's caregiver, I'm responsible for her medical care. I have to sign for everything when she's in the hospital. If for some reason, anything major happens and her insurance refuses to pay (she has excellent insurance, I got her extra coverage), but IF they refuse to pay....I'll be financially responsible. I'll hold off any talk of bankruptcy for that.