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Seriously. My Mom is still alive, and I love her very much and hope she's around for a long time, but she's almost 80, has many illnesses and has had severe bipolar since before I was born. When my father died 10 years ago, she knew that things would be difficult with out him, and took me to the attorney she and my father had for 50 years and made me her POA and executor of her will. We opened up a bank account together so I could pay her bills and she could have access when needed, although she has me hold on to her ATM card because she knows if she becomes manic she'd spend every cent and on a fixed income she'd not be able to pay her bills and lose everything. I give her a lot of credit for being able to plan for that in advance, because the day did come that she had to be hospitalized, actually twice, for bipolar, since my father has passed and she would have bankrupted herself. Meanwhile, my horrible sister, mad that she's not POA because she has stolen from my mother plenty of times, is trying to fight me over control of my mother's money and I know when my mother passes away it will be terrible. We live in a small town and my sister has spread it around that I am stealing my mother's money, taking advantage of her etc. And because I write the checks she doesn't help me with taking my mother to the doctor, cleaning her house, making her food or going shopping for her or anything. Taking care of my mom's finances is hard work, and my sister acts like paying her bills means I'M getting paid, which is not true. Most months I give my mother money to make ends meet, I just add it to her account because she wouldn't take it if I handed it to her. My sisters latest is to cry to my mom directly for money-- she doesn't need it-- so my mother tells her she has no control of her money because if my sister knew she did she'd toss my mother in the car and make her go take it out! So this just adds to the garbage I get from my sister. It's very stressful, and mom may need to go to a nursing home soon but my sister tells her she's fine, I just want her gone, but I'm the one taking care of her! I know my sister is just afraid my mother going to a nursing home means she will have to sell her house to pay for it and use the money which my sister wants for herself!
Sorry to go on and on about myself, but I saw we had something in common that no one else seems to understand but I knew you could. In my case I talked to my mom's attorney and he said because I am POA and have a joint account with my mom there's nothing my sister could do, accept of course she ruining my reputation. I try not to care. When my mom was manic, she went around with my sister telling people I was a thief and stealing her belongings, but when she got better she apologized. But who knows what people think? Shouldn't bother me but it does.
My only advise is that because it is your mom that passed away, petition the judge or court that will handle her estate for a complete accounting of what your sister is doing and where assets will be distributed. Here in NY when my dad died my mom as well as the 4 children involved were all given this information at no cost. If you had this, maybe you could use it as proof in order to get a loan to hold you over? Or try to get the process sped up and to hold your sister's feet to the fire. Tell the court in charge of the estate what your sister is doing, challenge her. An attorney would be good, but I don't think you need one to do it. Maybe if the court threatens to take over the estate, she'll act in a more timely fashion. Also, here in NY I think you are paid a percentage by the estate for acting as executor unless you agree not to take it, so your sister may be entitled to that money, if she chooses. I don't know what state you're in but if she's entitled remind her she'll lose that if the state takes over. Tell the court how she was made executor at the last minute. Try to stay calm, put things in writing and keep good records, and good luck! I don't know if I've been any help but I feel your pain.
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