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Melkath ,

Don't think so, not if the reverse mortgage is a done deal and the medical debt is paid.

In general, hospital collectors will come at you sounding all intimidating, but will usually just waive off the debt or settle for a ridiculously low figure. Even if that doesn't happen, mom could have filed for bankruptcy. If you already have the house, you dont need to worry about your credit for the next 7 years. right?

But once you sink all of your liquid and real assets into the unsecured debt, the liquid and real assets are gone.

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