Gary

I know, but they're still lagging around, and he's waving his arm like he's anxious.

The second thing is this communication with Smith.

This is terrible with the headsets.

They've got to get that resolved.

Hey, good morning, Dave and John.

Thank you for taking my call.

I'm calling on behalf of my mother-in-law.

She's 85 years old.

She's on a fixed income through Social Security and she's a widow.

We just recently learned that she's racked up $38,000 in debt on credit cards through QVC, JTV, things like that.

She's gone into a debt consolidation company without our knowledge.

And then she's still spending using her ATM card through QVC, JTV, HSN.

And every purchase is the five easy payments.

So she's got money coming out of her ATM now daily that's drawing her into the negative.

And on top of that, she was just starting to find out she's trying to refinance her home.

that would take her mortgage up to about 55% of her income.

So we're looking for suggestions, one, with the debt that's in collections, and two, how to stop the ongoing money that's coming out of her account literally on a daily basis.

Doesn't matter if she goes back and does it again next week.

We think we finally got her to the point where she realizes that she's got a problem and she can't do it.

she sign it over to you because right now you don't have a legal claim to tell her to stop so she does have a living trust and i am her financial power of attorney there but she has not been declared incompetent or anything like that we don't that's not what i'm talking about whether or not i want her to shut down all of her checking accounts and she has no spending available to her except what you give her and you operate her account as if she's incompetent