Being in a care facility does not make someone immune to creditor/collector actions. Although people in such a situation generally do not have assets that a could be subjected to creditor attachment. It would be advisable to review the person's financial status to determine if they are "judgment proof" under the laws of their state of residency. If there is a POA (that is not limited) in place, they should take on the responsibility of notifying creditors if they find it to be in the best interest of the person they represent. The person with the POA might want to consider obtaining legal advice before taking any actions.
You will default on your credit card accounts. Being an unsecured loan, there is little a credit card company can do. That is a risk credit card companies take. Regardless of why you can't pay, non-payment will result in default. The extent to which a credit card company will attempt to collect depends on whether or not they feel you have sufficient income.
Yes I believe you can report credit card fraud if you know someone who has someone elses credit card, if let's say one of your friends or family member got there credit card stolen and you also know the person who stole the credit card you can report a credit card fraud or you can just let your friend or family member report fraud on there credit card, I hope this helps :).
This happens when someone pays too much money on their credit card statement. You have money "on credit" in addition to your credit limit. These amounts can be refunded but will usually remain in the account until you charge using the card again, then those funds will be applied towards your purchases on credit.
No. No one will ever get your runescape password even if you let someone use a credit card, you only know the password to runescape. If you are talking about someone hacking you on runescape via credit card then no, because credit cards contain information about your card and not your runescape account details.
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