She is going into the hospital more and more and when she gets home she be to late to pay certain bills so her services are being cut off. She has me and my sister who I feel that my mom is not safe with. I don't know how to get the ball rolling so that I can get my mother some where safe, but get her finical secure again.
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Chances are that a dPOA will be enough. Guardianships are generally sought when a POA was not appointed in time or the person has become too difficult to reason with. It does not sound like the case with your mother.