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My sister has a parent loan, and also credit card debt. Her…

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Second opinion] My sister...

Second opinion] My sister has a parent loan, and also credit card debt. Her assets will not pay off the parent loan. Does the money go there first (before credit cards)? Will they write off what she can't pay? Will the credit card company write off her debt? She lives in Maryland. Thank you.

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No.

Lawyer's Assistant: What steps have been taken so far?

None. She is still living, but has cancer.

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No. What is the cost of this transaction?

Lawyer's Assistant: The Expert's answer will cost $10 to $100, depending on the issue type and time to respond. You'll see the exact amount on the next page and can decide then. It's way less expensive than face-to-face would cost. And you're covered by our 100% satisfaction guarantee.

Ok

Submitted: 2 months ago.Category: Legal
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Answered in 21 minutes by:
5/31/2018
Lawyer: Ely, Counselor at Law replied 2 months ago
Ely
Ely, Counselor at Law
Category: Legal
Satisfied Customers: 103,583
Experience: Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
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Hello and welcome to JustAnswer. Please note: This is general information for educational purposes only and is not legal advice. There is no specific course of action is proposed and no attorney-client relationship or privilege formed within this conversation. (And, please ignore any reports from the site regarding your expert being offline - they are incorrect.)

I am sorry to hear about this situation. You may be confusing what "write off" means. Write off only means that the creditor has given up collecting on the debt themselves and has referred the debt to a third party collection agency.

Will they "write off" the debt (meaning send it to collections)? Likely yes.

Will they forgive the debt? Likely not.

Please note: If I tell you simply what you wish to hear, this would be unfair to you. I need to be honest with you and sometimes this means providing information that is not optimal. Negative ratings are reserved rudeness or wrong information. Please be kind!

"I STRIVE FOR FIVE!" My goal is to answer your question to your satisfaction. Please rate with five stars (★★★★★) and click SEND. It does not cost anything extra to rate. You may need to scroll left/right/up/down to see these stars. Rating my answer the bottom two stars or failing to submit the rating reflects poorly on me, even if my answer is correct. If you are not satisfied for whatever reason, or, have follow up questions, please simply reply with SEND before or after rating and let's continue to chat until you are satisfied. This is what I am here for.

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Customer reply replied 2 months ago
even though her son is not a co-signer on the parent loan or the credit card, they can pursue payment through collections? Must we use our own money to pay these debts? My sister has very few assets.
Lawyer: Ely, Counselor at Law replied 2 months ago

She is only liable for the contracts (and debts arising from them) on which she signed as a CONTRACTOR or Co-SIGNOR/GUARANTOR. Nothing else.

Her family does not have to pay her debts using their own money. There is no "debt by familial relations" in most cases (with exceptions to husband/wife debt which does not apply here).

Kind Reminder: Please, use SEND button to keep chatting, or please rate positively and click SEND to submit your rating once satisfied. You may always ask follow ups at no charge before or after rating. "I STRIVE FOR FIVE!"

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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