If the surviving ex spouse was not a joint account holder and the couple did not reside in a community property state they are not responsible for credit card debt of the deceased. Even if the married couple resided in a CP state the spouse may not be responsible for such debt depending upon the circumstances. It is quite possible the statute of limitations has expired for debt collection, however SOL's pertain to the amount of time the creditor has to file suit and does not affect the creditor's right to collect from the debtor but not necessarily a spouse.
You should call the credit card company.
Bank's Insurance company
Not unless they were guarantors of the debt.
Only if she is also on the account. If not, then absolutely not. You can get yourself in a heap of trouble by using the credit card of a deceased person. You must notify the credit card company of the death and close that account.
Just call the credit card company and explain the circumstances. I am sure they will help you and direct you appropriately. I am sorry for your loss.
The use of a deceased person's credit card would constitute credit card fraud. Unlawful use of a credit card is a criminal offense.
It does not. The debt belongs to the deceased. If the estate cannot settle the account, the credit card company is not going to get paid.
No. She must get a credit card in her own name since the guarantor on the account is deceased.
A credit card company can sue someone for defaulting on debt. When they do this, they can be awarded a judgment. If the debtor has assets, such as a car or checking account, then they can be awarded those things. For property, usually the items are auctioned so that the collection agency (credit card company) can get the cash. If the person is deceased, you may be able to transfer ownership of the car before the credit card company tries to take it. Unless you are listed on the debt as a joint account owner, you are not liable for it. the FDCPA spells out your rights in terms of debt collection.
An individual can find information about a GM credit card by going online to their website and going to the information tab, or by calling the company and asking about it.
It is certainly possible. It will depend on how the credit card was set up. If it was obtained under both names, both parties can be held responsible for the debt.
Interest does not accrue on credit card debt after the card holder is deceased. It can occur however, if the spouse is on the account.
Credit Card Debt can be reduced by several means. You can try calling the company that owns the credit card and perhaps reduce your interest rate. If the debt is to high credit counceling through various agencies maybe needed.
Account holder deceased
The best way to contact them would be via snail mail. You can try calling or emailing them first but it isn't always the most effective. By sending something snail mail you can keep a copy as proof and if the card company continues to send out the cards, you can contact the Better Business Bureau and report them. I want to know if my credi card from Foley's is still good
The credit card company may be calling your relative trying to locate a debtor - the best option is to either notify the company that you cannot locate the person being asked about or to give the company the debtor's contact information. Either way, the company should leave your relative alone once they have determined the debtor cannot be found at that location.
A spouse is legally allowed to use a credit card and the credit card company won't care anyway as long as the bills are getting paid. You can try to report it but you need the card number and the name of the deceased as well as their social security number. Give it a try and you'll see what I mean. You'll probably get frustrated and give up.
Credit Company manage it by way of evaluating there customer on how they will use it and spend it. Some credit company limits their credit so that user can limit also the way they will spend it.
There is a great company that offers conference calling, both in the US and Internationally. ConfererenceCalls.com has great rates, an easy to use system and allows you to keep a credit card on file so that your available calling balance never depletes.
The estate of the deceased.
credit to shareholder and debit to the company
Get a credit report on him. Try https://www.annualcreditreport.com/ or www.equifax.com/ and a list of his credit cards should pop up.
It happens and can be disputed. Call you credit card company or credit agencies.