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The surviving spouse is only responsible for creditor debt if the accounts were jointly incurred during the marriage unless that debt is considered a bill of necessity (i.e. medical and utility.) In some states you have to be married at the time the debt incurred such as IA, NH, MA, AZ, CT, and SC and in most when you get married the "bills of necessity" become the responsibilty of both parties no matter who puts their name on it. However in FL the rules dont apply surviving spouse is not resp. For credit cards it is different that is contractual its whoever is on the contract same with personal loans and student loans and things of that nature.

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Q: In Ohio is the surviving spouse responsible for the deceased spouse's medical and credit card debt?
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YES, if you die, then the next of kin is responsible for your debt.


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