I do not believe you will find anything confirming the assertion that your mother is no longer responsible for her credit card debt
, since I do believe that is legally
the case, but it is realistically
In other words, the credit card companies still have a legal claim against her, so if she happens to win the lottery or inherit money from a long lost relative, the credit card companies may seek to pursue her more aggressively. There is no event that occurs that makes them disappear (other than bankruptcy, their voluntary forgiveness of the debt, or payment/settlement in full), so if she comes into money later, they are able to pursue it.
However, she is realistically "judgment proof
," which means she has no assets
that can be attached, or income that can be garnished, so there is really no way for the credit card companies to collect from her.
I cannot give legal advice online, but I have seen several clients send a letter to the credit card companies explaining the debtor's situation, and sometimes the credit card companies discontinue collections. Sometimes
. If they hire collection agencies
and become overly aggressive, one can send a letter similar to the one toward the bottom of the page, here
I hope this helps and a positive feedback is always appreciated if this was useful to you.LEGAL NOTICE: I am only licensed to practice law in certain state(s) and I cannot give legal advice to someone who does not reside in a state in which I am licensed, nor shall anything I say in the above answer or elsewhere on this site be deemed legal advice, even to someone who resides in a state in which I am licensed. Fees I receive for answering questions are paid for information, not for legal advice. This forum is designed to provide general information only, and information herein is not warranted to be correct or applicable in any way since laws may have been misinterpreted herein, since laws change from time to time, and since the impact of those laws on any particular situation varies. The information presented in this site shall not be construed to be formal legal advice nor the formation of an attorney-client relationship. Persons accessing this response are encouraged to seek independent legal counsel in their jurisdiction for guidance regarding their individual circumstances. Do not take any action or inaction based on information presented herein since it is informational and may not be accurate or applicable to you; it merely attempts to give you a basis of knowledge to help you formulate questions to ask a legal or other professional in a face-to-face meeting in your jurisdiction. Joseph Ross does not hold himself out to be a specialist or expert in any area, regardless of assertions made by any third party, and any implication of being an expert or specialist herein is made in error. I hope the information presented above is useful to you. Answer above is (c) Joseph Ross. All rights reserved.