Medicaid pending for spouse, and credit card owed. What to do about the credit card?
My husband went into a snf and applied for Medicaid. He owes $1800 on a credit card that is in his name only. All of his income will be going to the snf so what do I do about his credit card?
Medicaid is all about income & assets so whatever debt the LTC Medicaid resident has is NOT of any concern 2 Medicaid. If this was a individual widower application, they would just default on the debt. They are impoverished in order to be at the point of qualifying for lttc Medicaid so no issue.
But as you are his spouse it’s a different situation. Yes the CC card is in his name but if the two of you own a home and your state allows for judgements to be placed against a homestead, there is the likelihood that the CC will turn it over to debt collection that will come after the $ that way and file for a judgement. So personally if there is a home owned jointly AND IF your are also in a community property state, I’d just do the minimum mo payment to keep that from happening. & should he die before that CC debt is paid, it then becomes a debt of his estate and it dies off due to his death even if you open probate.
now if the home is absolutely in your name only and you are not in a community property state, that CC and it’s balance is fully his debt and nothing they can do to get it paid. They can pound sand. Too bad.
Btw his Social Security and any federal or state retirements are protected income from any creditor. It’s sacred & cannot be touched. The only, only, creditors who can attach them is the IRS or state tax authorities.
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But as you are his spouse it’s a different situation.
Yes the CC card is in his name but if the two of you own a home and your state allows for judgements to be placed against a homestead, there is the likelihood that the CC will turn it over to debt collection that will come after the $ that way and file for a judgement. So personally if there is a home owned jointly AND IF your are also in a community property state, I’d just do the minimum mo payment to keep that from happening. & should he die before that CC debt is paid, it then becomes a debt of his estate and it dies off due to his death even if you open probate.
now if the home is absolutely in your name only and you are not in a community property state, that CC and it’s balance is fully his debt and nothing they can do to get it paid. They can pound sand. Too bad.
Btw his Social Security and any federal or state retirements are protected income from any creditor. It’s sacred & cannot be touched. The only, only, creditors who can attach them is the IRS or state tax authorities.