You would think after 14 months and sending out countless numbers of your POA that the bill collectors would get the message, "THERE IS NO MONEY TO GIVE THEM!" I do my best to be pleasant but who in their right mind gives a couple of 80 plus year old people an unsecured credit line of $10,000. The balance at time of Daddy passing last July was over $6000 . HSBC has said they would be glad to accept a mere $2000. Guess what there is not any money...sigh!