If he is no longer competent as ruled by the court, and your POA is active you can close down his credit account by contacting Experian, Transunion and Equifax and freezing the credit. NO ONE can then open a credit card in his name. You will have to present your POA papers to the companies.
This is dicey in that this isn't dementia. This is mental illness. And the law doesn't take the ability to make their own decisions away from those with mental illness.
If you're not joint on the card app then its not your debt. Make sure he isn't connecting automatic card payments to any jointly held bank accounts. Talk to a lawyer about how to completely separate your credit from his.
You give him a pre-loaded cc with a limited amount on it.
FREEZE his credit through Equifax, Experian, and TransUnion. Also, you can take his car keys away, disable the car, tell him that he has no more insurance for driving the car - this is what I told my daddy when he wanted to drive. In my daddys long term memory he knew he could not drive without insurance - oh he was pissed when I told him this and I was the worst person in the world but I knew it was best for me to be the worst person in the world and he couldn't hurt anyone by driving. Blessings to you because this is hard!
We created an email for my mom and locked each of the 3 credit bureau accounts. Experian TransUnion and ? (Cannot remember). It is free and it works. We know it works because we locked our accounts too and forgot when we purchased a car. Had to unlock to get the approval! We are DPOA and representative. She does not have access to the email and we didn’t tell her.
If his name is on the card only, you are not responsible for the debt, I think. Make sure that he has not listed you as co-owner or authorized holder (in this case I think he is responsible for any charges you make)
I have never heard of a store issuing a credit card on the spot. Usually, I am offered a discount if I apply for a card. When the application is approved, I get a card in the mail and need to activate it before it can be used.
Do you have POA, you maybe able to freeze his credit. I would consult with a lawyer to see how you can protect yourself. I would shred any unneeded cards.
I feel you have two issues here. The first issue is his access to a car and ability to drive wherever he would like to go. Is there a way for you to take away his license and prevent him from driving? I know that you can install a hidden switch in the glove compartment such that it will prevent the starting system in the car from activating, which will prevent him from driving the car. Are you able to rope in a family member to help you with preventing him from driving?
Please pardon my lack of knowledge but what is a DPA? In other words, are you his financial power of attorney? If you are his financial power of attorney, then I believe you would have the right to cancel these credit cards.
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This is dicey in that this isn't dementia. This is mental illness. And the law doesn't take the ability to make their own decisions away from those with mental illness.
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You give him a pre-loaded cc with a limited amount on it.
Disable his car so he cannot drive it.
I have never heard of a store issuing a credit card on the spot. Usually, I am offered a discount if I apply for a card. When the application is approved, I get a card in the mail and need to activate it before it can be used.
Do you have POA, you maybe able to freeze his credit.
I would consult with a lawyer to see how you can protect yourself. I would shred any unneeded cards.
I feel you have two issues here. The first issue is his access to a car and ability to drive wherever he would like to go. Is there a way for you to take away his license and prevent him from driving? I know that you can install a hidden switch in the glove compartment such that it will prevent the starting system in the car from activating, which will prevent him from driving the car. Are you able to rope in a family member to help you with preventing him from driving?
Please pardon my lack of knowledge but what is a DPA? In other words, are you his financial power of attorney? If you are his financial power of attorney, then I believe you would have the right to cancel these credit cards.