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Elder Law & Advocacy offers free assistance with legal, Medicare, caregiver, long-term care and many other issues.

The organization seeks to help those in greatest need, including those who are isolated, homebound or institutionalized; or unable to travel due to illness or frailty.

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EL&A In Action

EL&A Assists Client with Debt Settlement Mr. K came to Elder Law & Advocacy with a debt settlement issue. Mr. K, a senior living alone and on a fixed income, had an outstanding debt with Bank of America for about $3000. Mr. K received an offer from B of A in the mail that stated that if he were to pay $1700 immediately, B of A would accept that amount in settlement of the entire debt. The offer said that Mr. K would have to call a certain phone number to accept this offer of settlement. Mr. K presented the letter to the teller at his local B of A branch, told the teller that he wanted to accept the settlement offer, and paid the full $1700. However, the B of A teller simply applied the $1700 to Mr. K’s account, and B of A continued to pursue Mr. K for the remaining $1300. A contract is an agreement between two parties that is legally enforceable. A simple example of this would be an agreement to paint a fence in exchange for a payment of twenty dollars. These agreements usually begin as an offer from one party, which the other party then chooses to accept. In this case, Mr. K upheld his end of the agreement, and B of A did not. An Elder Law & Advocacy...

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