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Hi guys!

Haven't been here in ages, but had a question that I'm sure you guys can help me with. *bows to all knowledgeble Fools*

A few years ago, despite my "screaming" protests my dad got a Citi credit card with my *idiot* brother on it. (in future to be identified "IB")

Dad is almost 89 now and I really need to get him off this credit card. My dad no longer receives a printed statement on the account as my IB went online and set it up for online statements only. IB also has the card charged up to the limit most of the time which is screwing up Dad's credit score. At this point in time, my parents need to sell their big house, and buy something cheaper and smaller and dad's ready for Assisted Living even if Mom is not.

What's the best way of getting either my IB or my Dad's name off the account? I have POA and have been dealing with Dad's finances for almost 10 years now. If I just outright close the card, my IB will never pay it off, and Dad will be stuck with "another" debt of my IB's.

Background info: My IB has a lien on his rental prop in my dad's name to the tune of 10K. He's also paying on a personal loan in my dad's name and has a debt on another credit card. While at this point in time, he is paying on all these items, (except the lien) p/off IB isn't gonna help.

Is there some legal way I can separate the credit card account? (I haven't called Citi yet as I don't want to alert IB to my plans.) Although, I repeatedly have asked him to pay off the card and get one in his own name he hasn't done so. (and we won't get into the "IB hasn't paid income taxes in many years" issue.)

Any constructive advice would be helpful. (please don't go into coulda woulda shoulda, cause that's in the past and can't be changed now.)

Help me O' Knowledgeble Fools! You're my only hope!

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