Served with complaint My friend has been served with a civil complaint for a…

Served with complaint
My friend has been served with a civil complaint for a Credit Card debt incurred by her late husband. She was an authorized user, but states she did not sign on the account. The real estate she owns was transferred to her in 1995 and he died in 2003 having no interest in the real estate.

The Credit Card company is suing claiming that she was on the account but can provide no proof that she was other than her name appearing on the statement after her late husband died. Can this debt be enforced? Is there any way she can protect the real estate and personal property she owns?

She is considering filing a quit claim deed to transfer the property from her name to her name and my name jointly. Would this protect the real estate from being put up for sheriff’s sale? What about the personal property?

Thanks for any advice you can give.

Quit claim deed collection My husband & I separated on 9/22/99.

Quit claim deed collection
My husband & I separated on 9/22/99. He purchased a home in 10/99 and I signed a Quit Claim Deed and was instructed that this would exclude me from any debt collection if he were to not fulfill the loan contract. Actual general warranty deed is in his name as a married person. Loan was in his name only. He filed bankruptcy in 1/03 listing home as a secured debt. I filed bankruptcy in 3/03 and was advised that I would not need to list his home as my name was not on loan and not on warranty deed and also that I had signed a quit claim deed. No reaffirmation was made on the home and he stopped making payment in 11/03. An attorney is now trying to collect the debt from both him and me. I contacted the attorney’s secretary and advised of the bankruptcy. We then both received same letter again from attorney. Can the attorney pursue action against me for the collection of the debt of the home when it was included in his bankruptcy?

My husband was durable power of attorney for his grandmother, who passed away…

My husband was durable power of attorney for his grandmother, who passed away this August. At the time of her passing, she had a share of cost back-balance due to the facility for prior time period Medi-Cal did not specify her share of cost amount, pending completion of her paperwork (on their end). He is now being pursued and threatened by the long term care facility where she resided for the last year. They state that he is is legally liable for her debt, because he signed her share of cost payment checks. They are stating he will be sued and reported to the State for prosecution, if the debt is not paid by him, personally. (They are not allowing time for conclusion of her final affairs either. The first demand for payment was less than two weeks after her passing.)

The facility states that because he signed the checks that paid her Medi-Cal share of cost each month, he is therefore considered her “agent” per the CA Welfare and Institutions Code (section 14110.8: (3) “Agent” means a person who manages, uses, or controls those funds or assets of the resident that legally are required to be used to pay the resident’s share of cost and other charges not paid for by the Medi-Cal program) and is therefore fully responsible to personally pay her back-bill due to the facility. They are siting section (f) of the same code (section 14110.8 (f): A resident and his or her agent shall pay to the facility the share of cost, for which he or she is responsible under the Medi-Cal program, unless otherwise exempted by law.) –However, the durable power of attorney forms that they have on record (signed and completed by his grandmother), clearly state: “All persons or entities who in good faith endeavor to carry out the provisions of this Power of Attorney shall not be liable to me, my estate, or my heirs, for any damages or claims arising because of their actions or inactions based on this Power of Attorney. My estate shall indemnify and hold them harmless.”
–Is he liable then, for her share of cost back balance amount? He did sign the checks that paid her share of cost (his name was also on that bank account), and therefore he was acting as an ‘agent’, per the code’s definition; but the same code, subsection (4) also relieves a power of attorney from financial obligation (a “responsible party”), except when acting as an “agent” -which seems to contradict itself. Regardless though, shouldn’t the “exempted by law” clause in the code 14110.8 apply here, due to the indemnification paragraph in his power of attorney?

Thank you for your time.