Am I Responsible to Pay for My Dead Husband’s Debts? – Linda
 | By Steve Rhode Ask me your question. |
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Linda wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
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“Dear Steve,
My husband passed away and now Bank of America wants to know when I’m going to pay off his credit card.
Am I responsible to pay off my husbands credit cards ? If so is it possible to have the payoff amount lowered ?
Linda”
Dear Linda,
Bank of America might want you to pay off your husbands debts, but they can’t. Any debt in your husbands name alone is not your responsibility unless it was a joint debt.
Another rarer exception is if you were an authorized user that continues to use the account long after the debt of the primary account holder.
If the debt was only in the name of your husband than Bank of America can only look to the estate of your husband for payment.
I would suggest that you go and see a local attorney to assist you with this so you can chop Bank of America off at the knees here. The pursuit of relatives is picking up steam. Collectors will try anything to get payment, legal or not.
If you want to see what debts you might have been a joint account holder of I would urge you to get a copy of your consolidated credit report. You will need a consolidated credit report to show you what is said by all three credit bureaus. Take this consolidated credit report with you to the lawyers office. If the credit report shows that you were not a “J”, joint account holder, a letter from the lawyer should end this and by this time next week you’ll be done with it.
Big hug.
Source: Am I Responsible to Pay for My Dead Husband’s Debts? – Linda
Originally posted 2009-03-16 11:29:53.
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