DO NOT send them the IRS refund check under any circumstances. An IRS refund is considered an asset and should be relinquished to the probate court as such. If the state does not require probate procedures in this specific case, contact the IRS office for instructions on the proper procedure concerning the refund. Do not endorse the check or attempt to cash or deposit it in an account. And file a FDCPA complaint against the credit card company that told you that.
It happens and can be disputed. Call you credit card company or credit agencies.
According to the FDIC (Federal Deposit Insurance Corporation), the three major credit bureaus are Equifax, Experian, and TransUnion. They may be contacted for questions regarding credit score, credit report, fraud, etc.
Experian is essentially a company which specializes in credit scores and credit reports. They can help you find in accuracies in your credit score and iron them out.
Depends, If the account is under your wife's name only you can just send a copy of the D.C. to the probate office for the company. However, If you were listed as a "joint" or "Co" on the account you are now responsible to pay off that debt or it will be taken from the estate.
You can't MAKE a credit card company reopen an account. You can call the credit bureau and request that they change the status to indicate that is was closed by you and not the credit grantor. Or, you can simply put a notation in your credit report stating that the account was closed by you and not the card company.
Goes on your credit as a repossession.
You should call the credit card company.
Bank's Insurance company
No, I would definitely get a lawyer. You should pay the credit card co nothing.
Not unless they were guarantors of the debt.
It depends on the country you are in, but in the UK, the first claim on the estate is the revenue (ie tax), then debtors - which would include the credit card debt. That should be paid out of the estate of the deceased.
The estate of the deceased is responsible for resolving the debts left behind. This is the reason that an estate is a good idea, it provides a means to settle the debts.
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.
Unfortunately, yes - the company sent you notice of a payment due and you did not pay it. If you can prove the notice never received you, then you might be able to avoid late fees and a late payment notice on your credit rating.
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.
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.
The use of a deceased person's credit card would constitute credit card fraud. Unlawful use of a credit card is a criminal offense.