We welcome free advice when it’s constructive – and we especially welcome free advice from Legal Services for the Elderly. In recent weeks, we’ve noticed television commercials about their services and hope that many viewers have discovered this “gem” among the many services available for Maine’s elders.

Legal Services for the Elderly now has a new Elder Rights Handbook that includes information about many frequently asked questions including MaineCare, Medicare, housing, debt, powers of attorney, elder abuse and more – all of interest to seniors and their families.

Here’s an example of information found in the new handbook under Surviving Spouse’s Guide:

What to do if a debt collector is calling about your spouse’s bills:

Maine law says that a husband or wife is not responsible for the bills of the other just because they are married. If you did not agree in writing to pay your spouse’s bills, you don’t have to pay them. If a debt collector is harassing you about your deceased spouse’s debt, ask to see the written evidence that you, not your spouse, agreed to pay the debt. If they can’t show proof to you, you don’t have to pay from your own property.

However, if your spouse had a secured debt like a car loan or house mortgage and you inherit the car or house, you must keep up the payments. Otherwise, the creditor will take away the car or foreclose on the house. Even if you are not legally responsible for the debt, you probably want to make those payments.

If you are 60 or older and in need of legal assistance, call the Helpline at 800-750-5353. Legal Services for the Elderly is usually open from 9 a.m.-noon and 1-4 p.m. except for holidays.

If you would like a free Elder Rights Handbook, call 621-0087.

Kay Soldier welcomes reader ideas for column topics of interest to seniors. She can be reached by email at kso48@aol.com, or write to 114 Tandberg Trail, Windham, ME 04062.