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Additional Details
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Additional Details
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myra3901 | As a authorized user, I used my deceased husband's credit card -do I have to pay? |
I made payments but a collection agency is ruining my credit by attempting to collect the entire debt. My husband is deceaased and I did use the card. I was not a joint user. |
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Gem
 |
The minute you used the card after your husband passed away you, in essence, affirmed that you would be responsible for the debt.
As your husband's survivor and probably the only person to benefit from his estate, either the estate or you personally would be responsible for this debt.
So no matter which way you look at it, you need to pay it, or make the determination to file bankruptcy. There is no in between |
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reeseyj
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I don't think it matters, you were married so his debt is yours. |
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gpatrick900
 |
So many wrong post
An authorized user is not responsible for another persons debit.
It has to be a Joint account.
If you used the card after he died. That amount charged is all the person is responsible for. Anything else would go to his estate if the credit card company did anything.
To find out how to deal with collection agency go to creditboards.
They have people who been in your situation and can possible help you out. Do not Criticize one troll or you will get banned. His nick name is George.
Don't offer to pay the collection agecny a dime. Especially do not send them a check or give them any other account number. |
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luciousgreeneyedlady
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as long as your name and signature were on the application for the credit card, yes you have to pay |
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noseygirl
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Actually it is fraud to use it at all. The account and any others should be closed immediately. Depending on the company they may try to collect it from you and put it on your credit report. It would be best to contact them. You may have to fax them a copy of the death certificate. I have seen on my husbands credit report, cards that were only in my name, that he never used. I guess it's legal if you were married, if not, they couldn't do it. |
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jonborja
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Authorized user...you lose. |
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classy chic
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I work as a credit analyst and yes you have to pay they will trace the date of his death and purchases made after that time therefore you are liable for payments. Also you are his wife if you were legally married you still have to pay his bills are your bills now. |
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RunSueRun
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Dah. You are responsible for it because you used it. |
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The ~Muffin~ Man
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Of course you have to pay...fair is fair.
I'm sorry to hear about your husband's death, but credit card companies aren't a charity. If you owe them money, you need to pay it. Remember - it's not *your* money...it's *their* money, you're just borrowing it on their terms. |
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Waferette
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The debt actually belongs to the estate, but if you are the benficiary of it, or if it reverted to you, then you have to pay. |
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Psycmixer
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Yep! |
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Smilin' Fred
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Duh.....Yes. What happened to ethics? |
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Norskeyenta
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Yep, you have to pay and you are also being labeled as a dishonest women. Why would you disrespect you deceased husbands name that way. This company and the collection agency has you pegged. You are responsible for anything that your husband had. Once he is gone, you will be called upon to pay for the rest of his debts. And if you don't pay, they can put liens on to your home and personal property. If it is a lot of money, they can even force a Sheriff's sale. |
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Wyndie1
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My sister went to bankruptcy court to try to get rid of debt she can no longer make payments on. My father signed for the card and my sister was added as a user. She was told the debt was not hers it was my fathers and since he is dead, she did not have to make payments. Using his card further is fraud and she had to cut it up immediately, and pay off anything she has put on it since he died. This happened in California and we are a community property state which makes a difference I am told. |
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