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Wendy P | If I die, will my husband inherit my student loan and credit card debt? |
Additional Details
The reason I ask is that we are looking into buying life insurance and wanted to know what each of us would be liable for so that we know how much life insurance we should buy.
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jtlyr
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When you pass away (hopefully many, many years from now), both your debts and your assets become part of your estate. While your husband will not be personally responsible for your debts, your estate will indeed be liable, and your heirs will not be able to legally take possession of your assets until your debts are settled.
To put it in simple terms:
assets - debt = inheritance
However, it is often possible to reduce the debt by 25% or more by negotiating with credit card companies and lenders on behalf of an estate, so you may want to take that into account when purchasing life insurance. |
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iceman
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It will never be his debt, BUT Assuming he is getting your life insurance or other assets you left behind--- legally the debt can be taken out of that.... |
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Mom26g
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Nope, as long as his name isn't on it... |
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myste
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In Texas he would because of "community property" laws. Check with your state to see what their rules are. |
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Sam
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If he has signed as guarantor, or has SUBMITTED a DOCUMENT to the effect, that he is Next-of-Kin (NOK) and inherits, "willfully" ALL your liabilities as NOK. Registration of marriage details, declaration of NOK, signed document that he inherits all your liabilities (AND VICE VERSA, GOD FORBID).
IF NO SUCH DOCUMENTS are available, or have been submitted POST-MARRIAGE, then each spouse is mutually safe, from inheriting each others' liability. Best is to check up with a dependable personal lawyer, in case of doubt.
But thoughts of death, without any rhyme or reason, should be ruled out. By posting such thoughts on the Internet, you are alerting the Cyber-police/Interpol/Vigilance Agencies, "should they ever ask ANY service provider, in the chain, in case of relevant exigency." Law enforcement agencies have all the powers to investigate, and ALL commercial/government service providers in the globe , "have to statutorily," cooperate with the investigating agencies concerned, should any unfortunate requirement arise. Being a responsible citizen of the world, it is my duty to enlighten anyone, who "appears" to be in distress. |
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dtwladyhawk
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Not if the loans are only in your name. They will try to collect out of her estate. But, your credit card should have coverage. Call and find out. Did you get your student loan before you married him? I did and he does not have to pay. |
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SPIFIMAN1
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If his name is not on the accounts, then no unless you live in a community property State.
Any debts you have when you die are recovered from your estate. If you have life insurance and your husband get it, then the debts will be paid out of the insurance money. |
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threeboysmamma
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If his name is on the debt with you he will. If his name is not associated with the loans or credit cards he will not. He would however, have to send a copy of your death certificate to the companies to verify that you are deceased |
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pinkyismygirlfriendniluvhur
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yup
I think thats how it works
If I die my wife gets 19K of debt I think
also some land though
If she dies I get like TONS of retirement money |
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Financial Planner in Michigan
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I'm getting contradictory answers on here. I live in Michigan. I'm not sure if it is a community property state?? Some are saying spouse is not responsible for student loans, others are saying that it can come out of the life insurance. I'm trying to decide whether or not I need to carry enough life insurance on my wife and I to cover student loans if one of us were to pass away before they are paid off??? Does anyone know the law in Michigan relating to federal student loans?? |
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