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If there were not assets that could be used to pay her debts, then the debts become uncollectible. Other family members are not responsible to pay the debts of a deceased if they were not a joint account holder. If there were a surviving spouse they would be responsible for the debt even though they were not listed as a joint account holder, due to the fact that Louisiana is a community property state. Generally all that is needed is to supply the creditor with proof of death and of course all the information pertaining to the account itself. Please be adviced, it is not unusual for a creditor to try to convince family members into paying such debt(s) they ARE NOT legally obligated to do so. It may be necessary to also remit a letter of "cease and desist" if future collection attempts are pursued.

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โˆ™ 2005-09-06 14:50:21
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Q: If your mother passed away and was on a fixed income and had no estate and had a credit card from a department store who is liable for this account by the laws of Louisiana?
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Related Questions

Estate insolvent cannot pay credit card debt affect on heir's credit history or tier score?

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.

If someone dies with 10K in credit card debt and has bank account does the credit card company get the money?

Yes, they are a creditor that can make a claim on your estate.

Am I responsible for credit card debt or tax debt on death of spouse?

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.

Is a widow obligated to pay for her deceased husband's credit cards even though she is not on the credit cards in Arizona?

Money that goes to his estate needs to pay off the account.

If a credit card holder dies who will be responsible for paying debts on cards?

If the cardholder has an estate, the credit card company can pursue that. In practice they don't really do that. If the account is a joint account, the other account holder becomes wholly responsible for the debt. Otherwise the bank eats the money.

What are the functions of the Arizona Department of Real Estate?

There are many functions of the Arizona Department of Real Estate. Examples of the functions of the Arizona Department of Real Estate providing licenses and informing people of rules.

Who is repsonsible to pay a credit card when the holder dies?

The estate, or any person who was listed on the account. The debt must always be settled.

What type of bond is required for the executor of an estate and where can it be purchased in Louisiana?

not sure of Louisiana

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When a parent dies in Louisiana are the children responsible for the debt still owed by the deceased parent credit cards taxes mortgages etc?

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Who is responsible for credit card debt after death in Louisiana?

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Is brokerage account part of an estate?

Yes, all assets of the deceased account towards their estate.

How do you remove name on credit cards after death?

You would contact the credit card company. They would probably need a copy of the death certificate in order to remove the name. If the account is in that name only, the estate would pay off the loan and close the account.

Daughter owns half of CD and mother dies with credit card debt will daughter have to pay credit card debt with daughter's part of CD?

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Is it possible to cash a check Made payable to the Estate Of?

Nope, has to be deposited to an estate account. You can then go ahead and write a check to yourself from the estate account.... assuming you are the executor and have the authority to do so. Nope, has to be deposited to an estate account. You can then go ahead and write a check to yourself from the estate account.... assuming you are the executor and have the authority to do so.

Is the spouse resonsible to pay off credit card debt if their name is not on the card and if there is no estate?

Yes if the account if joint regardless if the actual card did not have their name on it.

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The estate of the deceased. Also anyone that was listed as a co-signer or joint account holder.

Who's responsible for credit card debt after the card holder dies?

The estate covers the bill. If the spouse is still alive, he/she will probably have to cover the bill with the proceeds of the estate. If there aren't enough assets to cover the debt, and the credit account was not joint with anyone else, the credit card company will have to pay it out of their own pocket. Credit card companies cannot force the family to pay the debt. == ==

Who is responsible for debt after death in Louisiana?

In Louisiana the estate has to pay off the debts. If the estate cannot do so, they distribute as best they can. If the court approves the distribution, the debts are ended.

When can you close your fathers estate account and keep the money as an heir?

when can you close my fathers estate account and keep the money.

Does the Unified gift and estate tax credit reduce the size of the gross estate?

No. calculate the taxable estate of the deceased. Determine the estate tax the taxable estate. Add the gift taxes on lifetime gifts after 1976. This is the GROSS ESTATE TAX. Deduct the unified credit from the gross estate tax - this is the estate tax. If its, zero or less - there is no estate tax.

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Whoever is the trustee(s) of the trust for the estate is responsible for the account, including putting money in it.

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What is a healthy mix of types of credit use on your credit report?

revolving installment and real estate credit