Husband died in 2005, had no estate, I was authorized user of sears card, and I used it for new washer, dryer, in 2007. did I notify sears he passsed away? no, never dawned on me. sear apparently discovered his passing and came at me with full force to pay of that debt. needless to say I was not finacally prepared to pay off. I had made timely payments never late. ever! they closed acct and sent to collections. collection has reported on my credit report negativly. my question is since I was only athorized user, do they have the right to report this debt on my SS#? I live in the state of Ma. Thank you so much for responding to this question.
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