Posted on 02/24/2015 12:35:36 PM PST by Graybeard58
An elderly Pennsylvania husband and wife are being asked to pay their deceased adult son's medical bills under a law making family members responsible for a loved one's unpaid bills. The case is a reminder that such “filial responsibility” laws may go both ways – requiring parents to pay the debts of adult children as well as the children to pay for their parents'.
Peg and Bob Mohn's son died at age 47, leaving unpaid medical bills. Now according to an article in The Morning Call, debt collectors are trying to dun the Mohns using an archaic state law that wasn’t enforced until recently. Pennsylvania is one of 28 states that currently have filial responsibility laws. These laws usually make adult children responsible for their parents’ care if their parents can't afford to take care of themselves, but some of the laws also make parents responsible for their childrens' care.
Filial responsibility laws, which originated before the advent of the modern public support system, have been rarely enforced, but lately states and health care providers have started taking a second look at them to recover medical expenses, including Medicaid payments. In May 2012, a Pennsylvania court found an adult son liable for his mother's $93,000 nursing home bill under the state's filial responsibility law.
According to Pennsylvania ElderLawAnswers member attorney Stanley Vasiliadis who is quoted in the Morning Call article, these laws provide additional incentive for people to plan their estates. Without proper planning, children could be on the hook for their parents' nursing home bills, and vice versa.
States with filial responsibility laws include: Alaska, Arkansas, California, Connecticut, Delaware, Georgia, Indiana, Iowa, Kentucky, Louisiana, Maryland, Massachusetts, Mississippi, Montana, Nevada, New Jersey, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Utah, Vermont, Virginia, and West Virginia. Two states, Idaho and New Hampshire, recently repealed their filial responsibility laws, but elder law attorneys in Pennsylvania haven’t made much headway in convincing their legislators to repeal.
These laws differ from state to state. If you live in a state that still has such a law on the books, check with your attorney to find out how you can protect yourself from a child or parent’s debts.
So if the debt is validated even though it was sold, it is owed?
Here’s where I expect crickets.
If the debt is validated, then it wasn't sold, by definition - it was legally transferred through some other administrative process. The definition of a creditor is one who hold a valid debt. The definition of a debt collector, in part, is that they are specifically not the creditor of the debt they are claiming to have the authority to collect, because the creditor is the one who sold them TITLE to the debt - not the actual debt itself.
In accounting, (which I suggest you study), debts are often settled by less than their marked value and then written off as partial losses for tax purposes. Once that is done, there is no more debt. If that settlement process consisted of the sale of the title of the debt to a third party, the original debt instruments are not transferred because by receiving payment the actual debt is settled, and thus there is no debt left to transfer.
Try to keep up.
You are being obtuse. Enjoy being wrong.
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