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  1. #1

    Default Paying Off Mother's Debt by Credit Card - New York

    My question involves collection proceedings in the State of: New York
    A collections agency recently purchased the debt from a hospital claiming my mother had money owed for. They gave her a settlement offer for about 50% of the amt. Are there any fears of me paying off her debt using my own credit card in this one instance where they can pursue me for future debts my mother may incur? Are there any instance of a second (lower) settlement offer if this first settlement offer is rejected? Thank you in advance.

  2. #2
    Join Date
    Jul 2008
    Posts
    853

    Default Re: Paying Off Mother's Debt by Credit Card - New York

    There was a case (Veach, IIRC) that keep them from coming after you, but why pay? Have you disputed the debt yet? Even if the debt is valid, there is no guarantee that the balance of the debt will not be resold, or that your mother will not get a 1099 for your trouble.

    Sending them a dispute would probably be better.

  3. #3

    Default Re: Paying Off Mother's Debt by Credit Card - New York

    Quote Quoting seventyseven
    View Post
    Are there any fears of me paying off her debt using my own credit card in this one instance where they can pursue me for future debts my mother may incur?
    No. To put gravy on top of that no have your mother sign something saying this was a loan to her from you. Debt collectors are slime and will try anything to get paid, so if they to pull a shady move and send you bill for your mothers future bills (just because you are not responsible for the bill doesn't mean they will not try sending you a bill as the responsible party to see if you will pay) you can fax them a copy of the paper mother signed saying it was a loan.

    I'm not a lawyer but have (unfortunately) learned from an attorney who helped us after debt collectors harassed my grandmother for medical and credit card bills in his name after his death.

    I know what you are going through, best of luck.

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