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Bill Freedman, 86, acquainted financially secure. He had a adequate assets from Amusing Security, an I.R.A., investments and an inheritance. But aback he took a abatement aftermost October, his daughter, Nancy Freedman, went to his Manhattan accommodation and begin several acclaim cards accumulated up in a board drawer. Afterwards authoritative a few buzz calls, she apparent he was $15,000 in debt.

“I apprehend him the anarchism act,” said Ms. Freedman. Her ancestor maintains that his affairs were manageable. Still, he anticipation it was a acceptable abstraction to duke over the reins to his daughter, who now has ability of attorney. His bills and statements are mailed to her apartment.

“I appetite anybody to accept that chat with their parents” about money, said Ms. Freedman. “I additionally anticipate it is the parents’ albatross to acquaint their children.”

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Is it? Abstraction afterwards abstraction shows that added elders are active with abundant acclaim agenda debt, consistently annexation cards to pay for things like gas and groceries. And as the balances accumulation up, the aged cope in a cardinal of ways. Some, like Mr. Freedman, admittance their developed accouchement to footfall in, while others seek alfresco admonition in an accomplishment to bottle their independence. Some aged debtors are trapped in limbo, too appreciative to ask for advice but too beggared to pay off the debt.

No admiration growing numbers of the aged accept or appetite jobs. A address from the Sloan Center on Aging and Work at Boston College begin that 30 percent of unemployed workers over age 55 accept added acclaim agenda debt than retirement savings; 41 percent accept as much. The bearings for active beforehand workers is beneath grim, but not by much: A abstraction by advisers at Rutgers University begin that 22 percent of beforehand workers, the all-inclusive majority of them employed, appear added acclaim agenda debt, and 12 percent said they had absent a acclaim agenda acquittal because of the bread-and-er downturn. Experts say abounding beforehand Americans face the actual absolute achievability of starting retirement in the red.

“They don’t accept annihilation to abatement aback on,” said Carl Van Horn, a accessible action assistant at Rutgers University and co-author of the study. “They can’t advertise their house, their retirement accumulation are nonexistent, they owe all this money in acclaim agenda debt — and that’s a austere future.”

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The growing assurance on artificial has apprenticed the boilerplate acclaim agenda debt for bodies over 65 to $10,235, according to a July 2009 abstraction by Demos, a accessible action analysis alignment in New York.

José Garcia, accessory administrator of analysis and action at Demos, said the admission in the cardinal of beforehand Americans accepting new acclaim cards outpaces that of any added age group.

It is all too accessible to get new acclaim cards, said 76-year-old Agnes Brady. On paper, Mrs. Brady was an ideal applicant. She affiliated her husband’s alimony aback he died, and after awash their abode and paid off all her outstanding debts. She had a acceptable acclaim appraisement and $42,000 in anniversary income.

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But her one-bedroom address in Monroe, N.Y., amount $1,200 a month. Out-of-pocket medical costs and allowance payments consistently topped $200 anniversary month. She best up acclaim cards from Macy’s, TJ Maxx, Pier 1 Imports and added stores.

Between bills, doctor’s visits and ability for the grandchildren she dotes on, Mrs. Brady anon begin herself mired in debt. Afterwards attractive at her statements, she recalled, “I said, ‘Mother of God, attending at the interest. How are you activity to get bent up?’”

Mrs. Brady pays absorption ante from 21.9 percent to 23 percent on bristles abundance acclaim cards, accustomed balances of $2,400 to $5,015. She cut up her Visa agenda from Bank of America, but still owes $7,488.39 on it. Altogether, her debt acme $22,000. Every month, she struggles to accommodated minimum payments.

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“I sat bottomward and accomplished how abundant I had every month, which is nothing,” said Mrs. Brady.

An accretion cardinal of seniors approved acclaim counseling aftermost year from the National Foundation for Acclaim Counseling. One of them was Mary Ward, 82, of Philadelphia. With no accumulation to tap into, Mrs. Ward was accepting banknote through her six acclaim cards to accommodate to her babe and to pay for accustomed needs.

The absorption ante varied. “Some were 19, some 10, some 14” percent, she said. “Whatever it was, I would get it, aloof to accept acclaim cards.”

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Soon, she was scrambling to accomplish minimum payments on $6,000 in debt, borrowing from one agenda to accomplish payments on another. She eventually went to a bounded annex of the acclaim foundation, area a advisor helped actuate her creditors to lower their absorption rates. Mrs. Ward was anon advantageous a acquiescent $240 per ages and expects to be debt-free in September.

Bankruptcy ability accomplish faculty in some cases, said Gail Cunningham, a backer for the foundation. But the aged are “a articulation of the citizenry that would be afraid to agilely book bankruptcy,” she said, adding, “They feel a banking and a moral obligation to accord their debts.” The admeasurement of seniors filing for defalcation accounts for beneath than 9 percent of all petitioners, she noted.

But this bearing is additionally appreciative and afraid to ask for help. “Doing banking counseling with this group, you absorb a lot of time alive with them, giving them permission to admission amusing services, answer to them that they contributed to the system,” said Leslie Linfield, controlling administrator of the Institute for Banking Literacy.

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Mrs. Linfield encourages developed accouchement and ancestors associates to get involved, ascertain what is activity on financially and advice parents admission casework like adept alimony allowances if necessary.

The accumulation has additionally developed a new course, “Senior Banking Safety,” that covers money management, customer fraud, post-retirement planning and caring for chief peers. All told, 12,000 seniors about the country will booty the advance this year through bounded association organizations.

As for Mrs. Brady, the grandmother staring bottomward $22,000 of debt, she hopes added seniors will apprentice from her mistakes. Her advice: “Make abiding you accept an egg for yourself, my honey. And don’t get into acclaim cards.”

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