The estate of the person who has died is responsible for any debts. If there is not enough money in the estate to pay these debts then the people or companies to whom the debts are owed, simply never get paid. The descendants of the person who has died do not have to meet these debts unless they are party to the debt agreement (i.e. they signed the debt agreement too - i.e. the credit card is held in joint names).
If there is a co-signor on the accounts, they will become responsible for the balance due. If there is not a co-signor, creditors can attempt to collect from your estate. If your estate is not enough to cover the balances due, the remainder will be written off by the creditor leaving no one responsible for the balance.
Only if the couple resided in a community property state at the time of death.
The estate of the deceased.
The estate of the credit card holder. If the surviving spouse was an approved user, or co-signee they would also be responsible.
AnswerNo, you need to send a copy of the death certificate to the credit card company. You are not responsible for your father's debt.
Your mother's estate is responsible for her credit card debt.
No. The father's estate is responsible for his debts. If there is no estate the creditor is out of luck.
It depends on the fine print. If the credit card company determines that you received benefit from the use of the card, you can be held responsible for the charges. If the estate of the deceased has resources the card should have been paid off and terminated upon the death of the holder. Any use use of the card after the death of the cardholder most likely constitutes fraud, especially if the subsequent user did not pay for the card balance. But you'll need to read the terms of the use agreement to verify that.
Actually, the answer is the credit card holder is responsible for the debt if single, otherwise the spouse may be responsible for a partners debts. If it was made while they were married, otherwise, the bank can't collect the debt.
I think that would be paid out of the estate and not by the child.
Generally a person's estate is responsible for the decedent's debts. If there is no estate the creditors are out of luck. They should be notified of the death.
The estate is responsible for the credit card debts of the deceased. That means before the estate can be settled, all debts have to be cleared. If there is not enough in the estate to cover them, they may not get paid.