My F-I-L passed away recently and left my M-I-L with a huge credit card debt over $30,000.00 in three credit card companies. He was the sole owner on two accounts, but the credit card companies are hounding her to pay the debt.
On the third credit card it had both their names but I cannot tell if she is a co-owner of just an authorized user. If I ask the CC company they will probably say “yes” so they can get paid. We have sent copies of the death certificated to all three companies. My M-I-L is 78 years old and not in good health at all, living on social security of ($701) and my F-I-L left her with a small monthly pension of ($681).
1- How can I tell if my M-I-L is a co-owner or just an authorized user on the account without contacting the CC company?
2- Will my M-I-L have to pay the two other CC companies that were just in my F-I-L name?
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Sounds like you’ve done everything right so far. Congratulations, but sorry for your loss.
The easiest way to see what the creditor is reporting would to get a consolidated credit report and see if that account with both names on it is reported as a J account. J = joint.
If she is just an authorized user it will appear on her credit report as an A. Make sure she does not use that credit card before this all gets sorted out. If she does and is only an authorized user I’ve seen creditors try to shift the entire debt to the authorized user.
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