I live in Wa state. My husband died 18 mos ago and left a will. Since that time I have been paying all credit cards monthly- including the ones on which he is Primary and I am a cardholder. I am still paying on our mortgage. I finally have come to realize that financially (now live on SS income) I simply can't continue to pay on the cards in his name. For the first time in 3 yrs I was late with a payment on which he was Primary. When the company called (one of 2 gas cards in his name) they asked for my husband, I replied this is Mrs. B, how can I help you? They said they were calling about so&so card payment and stated "You are not responsible for this bill " I asked what they meant and he repeated it and he said "Oh, we're required by law to tell you that you are not responsible for this bill because you aren't the Primary card holder." Now, I know that WA is a community property state and everything Ive read here says I assume the credit card liability after his death. I have only notified 2 companies of his death I notified on only after I paid that card off. The other switched the acct to my name, which was fine with me.
Because the charges on one of the gas cards was cash withdrawal, the interest is close to 30%. On my limited income I won't be able to pay it off in my lifetime. I have not used that particular card since his passing. I have used the other gas card in his name.
Both of these gas cards are thru the same bank (citibank).
My FIRST question is: Can I legally refuse to pay on those 2 cards? "Estate wise", we're talking about a mortgaged home and a couple of cards. I still have his name on our checking acct. Ive tried for 18 mos to do the right thing but am now at the point where I have to pinch every penny I spend.
My SECOND question is did I break the law by not posting anything or notifying the credit card companies of his death?
I hope I've given you enough information.Correction: "I notified ON only after I paid that card off " should read : I notified ONE (cc co.) after I paid that card off. Correction: "Estate wise', we're talking about a mortgaged home and a couple of CARDS "should read: a mortgaged home and a couple of CARS.
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