My 76 yr old mom, who lives in Ohio, was just diagnosed with Alzheimer's Dementia. She's in the early stages, however, after discussing things with her practitioner, we now realize that there have been subtle signs over the past several years. She has very poor short term memory and her decision making skills are poor. We are moving her here to Virginia because she needs our support.
I'm writing because I feel she has been taken advantage of by a car dealership in Ohio and cannot afford the debt she's ensued.
They have sold her 3 brand new cars in the past 5 years. The first one, a 2005 car purchased in April 2005, was necessary, because her car was totaled while parked on the street. (Hit by an uninsured driver) Then she went back to them in Oct 2007 (she can't explain why) and they sold her a 2007 car with $470 a month car payment. She couldn't afford that, so after 2 years (July 2010), went back to them asking for help. They sold her another new car (2010) rolling the $6000 difference into the new loan
. They did lower the interest rate from 9.24 to 4.49%. Now she owes a total of $24043.68.
My mom earns a total of $1500 a month from social security and a small pension. She has had a job up until now working part-time to earn extra money. That will most likely not be possible once she moves down here, or at least not for long, given her diagnosis.
She has no savings or investments.
This entire thing makes me very angry. Certainly I would expect them to "diagnose" that
she had dementia, but I find it hard to believe they didn't realize she had no idea what she was doing. I certainly believe they've acted unethically, however, I'm interested to know if there is any legal recourse we can take?
We are not sure where to start. Car dealership? Credit Union? Better Business Bureau
Or a lawyer?
Any advice you can offer, would be greatly appreciated.