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One card in his name only, unsecured visa card. State of Califonria. No estate; no shared income; no shared credit.

msnover92571 · Posted: Tue Feb 10, 2009 5:52 pm Post subject:

Yes and what would you like to know about this? I need a little bit more information. Thanks

sara · Posted: Wed Feb 11, 2009 6:20 am Post subject:

Hi guest,

If the deceased person's spouse is not a joint owner but an authorized user on the credit cards, then she is not responsible for the debt. The personal representative of the deceased person's estate is responsible for the debt payment.

The individual accounts of a deceased person do not pass away to his spouse by way of ownership. They can be passed on to the spouse if it is mentioned so in the Will.

Take care

gmakerley · Posted: Mon Sep 14, 2009 12:20 pm Post subject:

thanks to sunny's link, i came upon this discussion. sara, i am surprised to see that "they can be passed on to the spouse if it is mentioned so in the will."

i'm not surprised to see things mentioned in wills, but i am perplexed as to why a decedent would want to saddle his or her heirs with individual debts. i sure hope not!

sunnyca2009 · Joined: 04 Aug 2009 Posts: 1731 35.55 Dollars($)

I am nto sure what happned to the link I posted

gmakerley · Posted: Tue Sep 15, 2009 6:26 am Post subject:

but it was on another discussion thread, perhaps? i don't remember now, sunny.

jheard · Posted: Fri Sep 18, 2009 7:30 am Post subject:

You cannot pass a debt by will unless the receiving person assumes it.

gmakerley · Posted: Fri Sep 18, 2009 11:34 am Post subject:

thank you once again, voice of reason, coming all the way from houston. your wisdom is sorely needed.

thewretched02 · Joined: 23 Jun 2009 Posts: 115 23.92 Dollars($)

god only knows why you would accept the debt.

I guess if it was secured against a significant asset, like a house and you couldn't have one without the other, but aside from that it seems a strange idea.

gmakerley · Posted: Sat Oct 24, 2009 6:28 am Post subject:

it's always good to review this theory. it may just be my proclivity, but i truly enjoy reading the column written by Sandra Block in USA Today, and yesterday's column (10/23) was about wills and estates, but touched on the debts of deceased persons.

though the quotes are discussing a deceased parent, rest assured that this situation would would be the same for siblings, etc. with spouses, of course, there may be additional liability for a bereaved party due to joint obligations (but that's another discussion for another day).

as always, i trust that this will be helpful to someone.

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Credit card debt of deceased spouse.