CreditCards.com
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Crazy Jester is absolutely correct.
Your mother is responsible only if she signed the agreement and therefore is a joint user; or if she lives in a community property state, where any assets or debts acquired during the marriage belong to both parties.
The community property states are Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin.
A friend of mine has a macabre goal. At his funeral, he wants to have a whole bunch of credit card company representatives looking at his coffin, saying, "Dang. That guy owed us a lot of money."
Credit card debt is expensive debt -- just check the rates at my company's site (http://www.creditcards.com/press-releases/CreditCards-Weekly-Credit-Card-Rate-Report-February-14-2008.php?a_aid=1079&a_bid=bcb7f7a1) -- because it's UNsecured debt. Except in the situations described above, your mother can tell the creditors to take a hike. |
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Grandpa
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if her names weren't on the cards no only thin the credit cards companies can do is put a claim on his life insurance policies |
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oxo_07
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No,no,no... If it is a joint credit where both applicants have their signature YES... This includes all secured with both signatures, with the exception of the house. which automatic goes to your mom. All unsecured debt without your moms signature are history...GONE. Your mom cannot be liable for this!!! If the credit is only applied by your father, it goes with him, Gone bye,bye!!!.... MY JUDGE TOLD ME THIS THOUSAND TIMES ALREADY. Who ever pass away, the credit goes with it...That's the same thing when they split for divorce. DIVORCE DECREE SAYS. your own credit goes with you ... |
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bud68
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There's some really bad answers here. What comes into play is whether they live in a community property state and whether she is coborrower/cosigner on the accounts. I suggest that she consult an estate attorney. |
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Crazyjester9
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She will be responsible for his debts in only 2 scenarios.
1. She was listed as a joint account holder.
2. They lived in a community property state.
His estate is responsible for his debts. Now she may indirectly be affected by that as they probably had assets in both their names. My best advice to her is to get with a lawyer who specializes in probate or asset protection. |
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alktrio12
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If he had a will and placed her in charge of everything yes. If not then send the credit card places a copy of his death certificate and say to cease communication. They will leave you alone. |
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slimbone7777
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ya.,,, kinda |
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partytime
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pretty sure she is, unless they had some kinda credit protection plan that would pay the balance if something happened. |
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beebee
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NO, thecredit card companies have insurances and ways to deal with the deceased pass debts, if she has to decide between eating an her husband's bills choose food, the credit company can take care of their own. |
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pepaaureljo
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they are both responsible |
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bled4you2
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Only if her name was on the cards. If her name is on the cards she can call the companies & get set up on special payment plans if needed. Most cc companies have hardship programs. |
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Some Dude that likes beer & porn
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Yes. Married couples are jointly responsible for financial burdens. |
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chocobear_20
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Yes. They were married, which means what's his is hers. |
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Joe 64
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If her name was on the application she would be libel. |
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Riddle Me This!
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whoever he put in charge of his financing will have to deal with it. |
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