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I'm calling on behalf of my mother-in-law. She's 85 years old. She's on a fixed income

through Social Security, and she's a widow. We just recently learned that she's racked up

$38,000 in debt on credit cards through

QVC, JTV, things like that.

She's gone into a debt consolidation company without our knowledge, and then she's still

spending using her ATM card through QVC, JTV, HSN, and every purchase is the five easy payments.

So she's got money coming out of her ATM now daily that's drawing her into the negative.

And on top of that, she was just starting to find out she was trying to refinance her

home that would take her mortgage up to about 55% of her income. So we're looking for suggestions,

one, with the debt that's in collections, and two, how to stop the ongoing money that's coming out of her account literally on a daily basis.

Doesn't matter if she goes back and does it again next week.

We think we finally got her to the point where she realizes that she's got a problem and she can't do it.

Will she sign it over to you?

Because right now you don't have a legal claim to tell her to stop.

So she does have a living trust, and I am her financial power of attorney there, but she has not

been declared incompetent or anything like that. We don't know whether or not. I want her to

shut down all of her checking accounts, and she has no spending available to her

except what you give her and you operate her account as if she's incompetent.

That's one of the things that my wife and I were discussing was whether she should

shut down that account and for her own good, not because you need her money, but I mean,

...