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In NY state are you responsible for credit debt when your father or mother pass away even if you are an authorized user?
Wiki User
∙ 19y ago
No. Authorized users are NOT responsible for credit card debt, regardless of the state of residency.
Wiki User
∙ 19y ago
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Is my mother responsible for my deceased father's credit card debt?
No one can really answer that. We do not know your mother and your person story with them. No one can answer this except your mother. Ask her.
Is a surviving spouse in Pennsylvania responsible for repayment of a credit card debt when his deceased wife was the authorized user on an account that was held by her deceased mother?
No. Only the account holder is responsible for repayment of debt incurred on a credit card. An authorized user is not responsible for repayment, but in this case if the now deceased AU continued to use the account after the death of her mother (the account holder), the AU's estate might be responsible for any charges made under such circumstances. In any event, the surviving spouse is NOT responsible to repay the CC debt.
If my mother is an authorized user on my credit card and she is currently in the process of foreclosure would her foreclosure as an AU affect your credit?
No, having her listed as an authorized user will have no impact on your credit score.
Your mother passed away and you was an authorized user she had 15000 on her card you used your card after her death to charge 1500 credit card company said you was responsible for that amount?
If you were an authorized user on your mother's credit card, then you are also responsible for outstanding debts on that account. If your mother had a Will and it was probated her bank accounts would be frozen, creditors paid off as well as any outstanding taxes on house/property and loans. The amount she charged on the credit card should have been paid by any money left in the Will. However, if she had little or didn't leave a will then I am sorry to tell you that you are responsible for the whole bill. Marcy THE CORRECT ANSWER I sorry but that answer is incorrect. There are different types of signers on a credit card agreement. There is the Primary, who's credit rating actually got the account. If the primary could not get the card with just his or her rating, then a Co-Signer would be needed that has the good rating. The Primary and the Co-Signer are both responsible for any charges incurred on the credit card. Then , there is what is called an "Authorized User". This is a person that the Primary and/or Co-Signer allows to use the card. They are put on the credit card account to use (charge) purchases to the credit card. HOWEVER, the Authorized user IS NOT responsible for payment, EVER. Alot of collections agencies will try to tell you that you have to pay the debt, but if you are only a Authorized User, you are NOT legally held to pay any part of the debt.. I worked for 3 banks with credit cards and I know that you do not have to pay, no matter what a collection agency tells you. And if they place anything on your credit report, you can sue them and have it taken off, or you can just dispute it, and then sue when the reporting agency does not take it off. IMPORTANT!!! If someone who is an authorized user of a credit card knowingly uses the card AFTER the death of the primary and cosigner, then that Authorized User WOULD be legally responsible to pay any charges placed on the credit card by them. It is ILLEGAL to continue to use a credit card as a Auth. User when you know that the primary is deceased, and therefore will not be able to pay the debt.
Would my mother's children be liable for any credit card debt she had at the time of her death?
Your mother's estate is responsible for her credit card debt.
Is the joint owner on a credit card responsible for the debts?
Answer credit cardfrom past experience with my mother in law, you are responsible for the credit card balance The surviving joint account holder would be responsible for the entire amount owed.Credit Card DebtUnfortunantly you will be responsible for all of it.
Is my mother responsible for my deceased father's medical bills?
The estate of the deceased is responsible for the debts. Your mother will indirectly have to resolve the debts before the assets are released.
Will an eighteen year old college student is an authorized User on moms credit cards will he have a credit report?
In general, no, having a card on his mother's account will not go on his credit report, for good or bad. If the student gets a credit card with the account in his own name, possibly with his mother co-signing, that will go on his credit history.
If your mother had 15000 in credit card debt and you were an authorized user and she passed away and you were charged 1400 by the credit card company are you responsible for paying that amount?
In general if the card was used after the person died, the user is responsible for the debt. In some cases the person using the card could possibly be face fraud charges. The laws of the state in which the deceased resided governs the penalties and/or responsibilities of said action.
If your mother-in-law creates a credit card account for your wife when she was a minor is your wife responsible for the charges if she didn't use the card?
Modification to question... If your mother-in-law created a credit card account in your wife's name when she was a minor with the mother-in-law as a co-signer, and your wife did not use the card but the mother-in-law did, who is responsible for the balance?
If your wife died with credit card debt in her name only should you send them a copy of her death certificate or wait for them to call?
Not sure what the procedure is for all credit card companies, but as long as you are not in charge of the deceased's estate, and your name is not on the credit card account, then you are not responsible. However, you are supposed to call the credit card company and report their death. Any charges incurred after the date of the deceased's death, you are responsible for -- as an authorized user. If you wish to assume the credit card account, you must send the company a copy of your documents naming you as the 'executor of the estate'. This was the case in my mother's recent departure.
Is your mother responsible for your late father's credit card debt if it was in his name only?
Only if they resided in one of the community property states. If that isn't the case, the debts along with the estate (nonexempt assets) will be subject to probate.
