Re: debt of incapacitated person in Florida

NOTE: This communication is not intended as and should not be interpreted as legal advice. Rather, it is intended solely as a general discussion of legal principles. You should not rely on or take action based on this communication without first presenting ALL relevant details to a competent attorney in your jurisdiction and then receiving the attorney's individualized advice for you. By reading the "Response" to your question or comment, you agree that the opinion expressed is not intended to, nor does it, create any attorney-client relationship, nor does it constitute legal advice to any person reviewing such information, nor will it be considered an attorney-client privileged communication. If you do not agree, then stop right here, and do not read any further.

No, a creditor cannot automatically slap a lien on a property for an unpaid debt. They must file suit with the court and obtain a judgment. The judgment would then become a lien subject to restrictions as set forth below.

A power of attorney has no effect on a debt or debts of a party. It affords absolutely no protection against creditors. You are obviously confusing the POA with some other instrument.

On the other hand, if the trailer home is the homestead of the debtor, it is protected against the claims of any creditor except one who the debtor gives a mortgage and uses the trailer as collateral. Credit card companies can sue and obtain a judgment but they cannot touch the land or the trailer on it.

Scott R. Jay, Esq.