Inheriting Property

Dear Len & Rosie,

For 24 years I have lived with my mother. I have been her care giver for the past 14 years. I gave up a lot of my life and personal happiness for her. I am not sorry I did this. My sister told me that she did not want to take care of mom, and that I could have the house if I did. She lives in another state and rarely visits.

Mother gave me one-half of the home so that we could borrow against the property. We qualified for the loan on my salary and her equity, and spent almost $100,000 on repairs and improvements. I pay the mortgage payments, taxes and insurance. The home is now worth $400,000.

Now my sister complains that she is being cheated out of her fair share of the home when mom dies. My sister says that she feels that this is cruel and that she is being punished for "living her own life".

I have tried to explain to my sister that I have paid for the house and cared for mom, and that the house is my retirement investment. She doesn't accept this, and I know she is going to cause trouble when my mother dies.

Donna

Handling a decedents debt

Dear Len & Rosie,

I have been estranged from my biological father since I was twelve years old. About six months ago he called up and said that he was dying and would like to cultivate a relationship. This man is a dead-beat. He still has a pending child support claim against him, somewhere in the neighborhood of $15,000 to $20,000. My sister and I are 24 and 27 respectively. Is there any way to protect ourselves from having to absorb his debts upon his death? I believe that he has incurred a moderate amount of credit card debit. He currently does not own any real property or have any life insurance policies. As I understand it, he was married to another woman for a number of years, however she died a few years ago due to cancer. I am not aware of any other children that he may have had. I assume that it is a possibility that he does have other children. I am also aware that he currently receives SSI due to being partially blind.

I am not trying to be insensitive to his situation, but I want to make sure that we are as financially protected as possible since we are both relatively young and just beginning our own lives with our own families.

Jamie