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[quote=Anonymous]My sweet 95 year old mom has lived with us for many years, and although she has some medical issues, is basically enjoying good health and is cognitively perfect.  According to her will, her bank account (which is about $10,000) is Payable on Death to me.  Her wishes are for me to use the money for her funeral, then disperse whatever is left over to my siblings and me.  We greatly appreciate that she has saved her small social security income to pay for her funeral, especially since my siblings and I do not have the means to pay for it.

Mom also has a credit card bill that she has been slowly chipping away at.  Hopefully she will be able to pay off the credit card before she passes. 
But what if she passes away and the credit card has not been paid off?  After paying for her funeral from her bank account, instead of her children receiving the leftover funds, we could apply it to the credit card.  But what if there is not enough in her account to pay the credit card in full?  Unfortunately, my siblings and I do not have the financial means to pay it off.  Should we encourage mom to pay off her credit card with her current funds?  Then how do we pay for her funeral?

Thank you so much for any thoughts or tips on this situation.  [/quote]

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