Get an estate opened. The executor of the estate will deal with the debts and assets. If the debts are joint responsibility, they won't go away.
no.
Yes!
Yes, because the death does not really matter in terms of debt. One is responsible for any debts of their spouse anytime and all the time.
If your spouse co-signed the debt, they will have to pay your debt. In most cases, the answer will be no, it is your debt and you are responsible.
The estate will be primarily responsible. The spouse indirectly will pay, as they cannot inherit until they are resolved and they benefited from the debts incurred.
Maybe. It depends on what happened with the pension after the death and how the estate was handled. If the spouse inherited from the deceased, and continued to receive a payout from the pension, they would probably be liable for the debt.
In Georgia, as in most states, life insurance proceeds to a named beneficiary become the property of the beneficiary and are therefore not accessible to the creditors of the decedent. Of course, this does not apply to joint debt between the spouses or any debt solely in the name of the surviving spouse. In short, if the surviving spouse's name is not on the debt of the decedent, the surviving spouse has no legal obligation to pay such debt.
If the spouse has a Will stating "all of my debts are to be paid." Yes. If not, you just need to send a copy of the Death Certificate to each creditor.
They can always send a bill. It may be subject to the statute of limitations for debt collection.
If the couple resided in a community property state at the time of the account holder's death the surviving spouse is responsible for repayment of the debt owed. If the couple did not reside in a CP state the debt will be included in probate procedure and handled according to the state's laws of distribution of an estate.
Not for private debt. Just make sure that the spouse is not a co- applicant. The spouse is responsible only if they are co-applicant.
The estate of the spouse is responsible. IF both are on the same checking account then the FULL amount of that checking account can be considered the spouses estate too. Even if the account is closed just prior or just after death, then the amount in the account months prior is still considered a portion of the estate.