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To: copper000 who wrote (28616)	3/15/2005 12:32:02 AM
From: mishedlo	Respond to of 110194

I think my mother's name is still on the mortgage. If your mom's name is still on the mortgage I am not sure if he can borrow without her signature. Unless you get crystal clear advice here (and perhaps even if you do) your mom should be on the phone with an attorney to discuss this is she is on that mortgage. Otherwise I doubt it can possibly matter. Unless she is on that mortgage there is no way to pass the debts on to someone else. This I am pretty certain of that regardless of anything else. Certainly if he dies it might come out of the estate and legal bickering might chew up 100% of the estate but his debts can not OBLIGATE you in and of themselves. Those are my opinions and rules might even vary state by state. Mish

To: copper000 who wrote (28616)	3/15/2005 12:38:27 AM
From: stevenallen	Respond to of 110194

I don't know enough to give you specific advice but I do empathize with your position. As my parents moved past retirement and faced major finacial decisions I realized they really needed my help and guidance, but I found myself a bit overwhelmed with it all. Eventually we went to a lawyer who specialized in seniors and he was a tremendous help - my only regret is that we didn't go sooner. In your case you might be able to get by with a top-notch financial planner, but either way, this looks like a good time to get a professional on your team.