Am I responsible for the debt. I reported his death to one credit card company and they said I was not as I was just a card holder and was not a cosigner on the account. I was already to pay the balance. Is this true?
I'm very sorry for your loss. A probate attorney is best qualified to answer your question, but generally speaking, unless you are a joint obligor on your late husband's debts, the debt's are the obligation of his estate and not your personal obligations. You don't talk about his assets, i.e., house, car, savings, etc., and whether you are joint owner. You really should consult with a probate attorney, if for nothing more than piece of mind. Good luck.
You shouldn't have to pay on the cards unless they were in your name or you were also an account holder. Definitely tell an creditor who calls that he passed away. Sorry for your loss.
I agree that unless you are a co-signer, you don't owe the money. An easy thing to do is send a copy of the death certificate to each creditor. They should go away quickly once they have documentation.
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It depends on whether you were an obligor on the account. If so, you are also responsible. But that is a specific legal status and the first clue would be if the statements were addressed to both you and your husband. However, your husband's estate may be responsible for the debts. You should consult with a probate attorney for how those should be handled.
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