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Acknowledgment of Disclosures and Authorization
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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My elderly mother has a brain tumor where she can't drive anymore (indefinitely). She has a financed car that has 20,000 left to pay. What is my best options of getting rid of this car? We just put her in an living assisted home.
What is the value of the car versus the balance? That may influence both answers and your decision in the end?
Two different approaches I've taken w/two different family members I was POA for...
For my father's partner who passed away, the value was more than the payoff. I likely lost money, but I (as executor at that point) sold it back to the dealership because of the convenience. They cut the check to my father as the beneficiary under the will, and my father received all of the refunds for the various "insurances" he purchased.
For another family member, still alive but with no assets, I ended up contacting the finance company and I turned it back in (voluntary repossession). They could have hounded me (as the POA, not me personally) for the difference between the value and the loan, but they didn't pursue anything (luckily?). No guarantees a financier wouldn't get a judgment against the person who signed for the financing, of course. But you can't squeeze blood from a turnip.
I'd also look at any of the extra packages or insurance protections that she may or may not have purchased. Perhaps there's a GAP coverage that might have a benefit or exception in the terms that you could use?
Assuming you have POA over your mother's affairs, you could certainly get the payoff and talk to the finance company about options - especially if its upside-down at this point. If the value is more than the payoff, you may have more options available.
Is she still alert? Could she sign off on the sale? (Like sign the pink slip.) Could she sign the form of payment from the buyer? Do you live close so you could deposit it into her account?
If not, you need to find out if it can be transferred to you. You could contact the dealer or finance company that she used to see how that would work.
To sell it; Do a "KBB" (Kelly Blue Book) or "Edmunds" search to find out what it's worth. Do any service and minor repairs. Put it on Craigslist and wait for the phone calls.
* Twenty thousand * still to pay on this car? Is that right?
Hm! Your mother must like her cars! How long has she had it? What's it worth?
You just need to add up and see whether or not it's worth completing the finance package and then selling the car on your mother's behalf or buying it from her at the going rate.
It might also be worth contacting the dealer and seeing if it's possible to come to some sort of arrangement, again strictly on your mother's behalf - make sure NOBODY gets the false impression that you're accepting any kind of financial liability here. In the circumstances, and if the car's in virtually mint condition, you might well be able to negotiate a painless way out.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Two different approaches I've taken w/two different family members I was POA for...
For my father's partner who passed away, the value was more than the payoff. I likely lost money, but I (as executor at that point) sold it back to the dealership because of the convenience. They cut the check to my father as the beneficiary under the will, and my father received all of the refunds for the various "insurances" he purchased.
For another family member, still alive but with no assets, I ended up contacting the finance company and I turned it back in (voluntary repossession). They could have hounded me (as the POA, not me personally) for the difference between the value and the loan, but they didn't pursue anything (luckily?). No guarantees a financier wouldn't get a judgment against the person who signed for the financing, of course. But you can't squeeze blood from a turnip.
I'd also look at any of the extra packages or insurance protections that she may or may not have purchased. Perhaps there's a GAP coverage that might have a benefit or exception in the terms that you could use?
Assuming you have POA over your mother's affairs, you could certainly get the payoff and talk to the finance company about options - especially if its upside-down at this point. If the value is more than the payoff, you may have more options available.
Best wishes...
(Like sign the pink slip.) Could she sign the form of payment from the buyer? Do you live close so you could deposit it into her account?
If not, you need to find out if it can be transferred to you. You could contact the dealer or finance company that she used to see how that would work.
To sell it;
Do a "KBB" (Kelly Blue Book) or "Edmunds" search to find out what it's worth.
Do any service and minor repairs.
Put it on Craigslist and wait for the phone calls.
Hm! Your mother must like her cars! How long has she had it? What's it worth?
You just need to add up and see whether or not it's worth completing the finance package and then selling the car on your mother's behalf or buying it from her at the going rate.
It might also be worth contacting the dealer and seeing if it's possible to come to some sort of arrangement, again strictly on your mother's behalf - make sure NOBODY gets the false impression that you're accepting any kind of financial liability here. In the circumstances, and if the car's in virtually mint condition, you might well be able to negotiate a painless way out.