Debt and Bankruptcy | Credit and Debit Cards | Debt Collection | Credit

Is the spouse of a deceased credit card holder responsible for their debt?

If they couple did not reside in a community property state and the account was not joint; the debt will become part of the deceased's estate and handled according to state probate laws. An exception pertaining to spousal debt responsibility in community property states would be if they resided in Wisconsin. If onwe dies the other will not be liable, only if your name is on the card to. I had 2 of my spouse die on me. I know! A spouse who is not a joint account holder is generally not responsible for debt incurred by the other spouse. Two exceptions the main one being if the married couple resided in a community property state or if the state of residency has a "necessities law". Couples residing in community property states are presumed by law to own all property equally, and to owe all debts equally regardless of which one is the designated borrower, ( only CP law exception is the state of Wisconsin). A surviving spouse living in a state which has an established "necessities law" relating to credit card use to purchase items such as food, medicine, pay utilities and so forth is responsible for those type of debts as they are considered joint regardless of the designation of the account. However, even in states that have such laws, they are very rarely used by creditors to recover debt owed.

In Alabama is a surviving spouse responsible for the credit card debt of their deceased spouse?

Alabama is not a community property state, the surviving spouse is not responsible for creditor debt unless he or she was a joint account holder.

Would your spouse be responsible for your business credit card debt if you were to die if she is not an account holder?

Your estate is responsible for your debts. If the business is owned by the deceased, the business is responsible. A spouse is not responsible, but the amount they inherit will be affected by the debts.

Does interest accrue on credit card debt after card holder is deceased?

Interest does not accrue on credit card debt after the card holder is deceased. It can occur however, if the spouse is on the account.

When the cosigner dies is the spouse responsible for a repossion that she did not cosign for?

The spouse is not responsible and should not have this on her credit. But the estate of the deceased will still be responsible for the debt.

Is the spouse of a deceased credit card holder responsible for his debt if the spouse was not on the card in California?

California is a community property state. Essentially, anything financial is owned or the responsibility of both entirely.

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.

In New York is the surviving spouse responsible for credit card debt of their deceased spouse?

Not unless she or he were a joint account holder. However, the estate may be responsible for paying the debt before the funds can be distributed. Check with a local lawyer.

Who is responsible for Spouse credit card after death?

The estate of the credit card holder. If the surviving spouse was an approved user, or co-signee they would also be responsible.

Is a wife who is not a joint account holder responsible for her husband's credit card debt in Illinois?

Illinois is not a community property state, therefore a spouse who is not a joint account holder is not responsible for the credit card debt of the other spouse.

In New Jersey is a surviving spouse responsible for a deceased spouse's credit card debt if their name is not on the account nor has she used the credit card?

No, New Jersey is not a community property state, therefore the surviving spouse is not responsible for debts that were solely incurred by a deceased spouse.

In Pennsylvania is the surviving spouse responsible for the deceased spouse's medical and credit card debt?

No, the spouse is not responsible. However it does come out there assets left behind.

What does the surviving spouse do about the deceased spouse's credit card debt in Florida?

California is a community property state, the debts of the deceased should be included in the probate procedure. Usually in California the surviving spouse is responsible for all debts incurred during the marriage even though he or she was not the named account holder.

Is a surviving spouse responsible in Oklahoma for Credit card debt of the deceased spouse if the living spouse never signed and document?

In Oklahoma, the deceased's estate is responsible. The spouse can be held as a beneficiary of the costs and by inheriting less from the estate.

Who is responsible for a deceased person credit card debt in California?

California is a community property state, therefore if there is a surviving spouse he or she is responsible for all outstanding debt including credit card accounts even if the decedent was a sole account holder. If there is not a surviving spouse the credit card debt will become a part of the probate procedure and will be handled according to the state laws of distribution of an estate.

If you do not live in a community property state is a wife responsible for the credit card debt of her deceased spouse when the account was in his name only?

No. The credit card debt will become a part of the probate procedure and will be handled according to the distribution laws of the state in which the person resided at the time of his or her death. Please be advised, it is not unusual for a creditor/collector to attempt to convince a surviving spouse that they are responsible for the debt especially if said spouse was an authorized user of the account. Be that…

Is a spouse responsible for credit card debts in the other spouse's name?

Only if the married couple reside in a community property state or the spouse is a joint account holder. An "authorized user" is not considered an account holder and is not legally responsible for debt incurred on a credit card account.

Is a spouse responsible for a deceased spouse's car lease if it is in his name only?

A spouse is almost never responsible for the expenses of a deceased spouse. However, if the deceased spouse had money and there will be probate, someone may make a claim against the deceased spouse's money in probate court.

Who is responsible for your deceased spouse's credit card debt in Texas?

Texas is a community property state and the issue of marital debt is complexed as it is not considered a "true" CP state due to the way in which marital debt responsibility is assigned. In most cases the surviving spouse can be held responsible for the credit card debts of the deceased spouse if the surviving spouse the account even though he or she was not named as an account holder. The best choice is…

In Michigan is a surviving spouse responsible for the deceased's credit card debts?

The estate of the deceased is responsible for the debts. Indirectly, the spouse is going to pay the debts, either by a smaller inheritance or as a beneficiary of the goods and services purchased by the spouse.

Is a spouse responsible for deceased spouses medical bills?

No - a person's debts die with them. The spouse of a deceased person is not responsible fofr their outstanding bills.

Is the spouse of a deceased cosigner responsible for the debt?

The ESTATE is responsible.

Does a spouse have to pay back a loan of a deceased spouse if they are not a joint holder of the loan?

Depends on the state you live in. * If the married couple resided in a community property state the surviving spouse might be held accountable for the debt even though the loan was only in the name of the deceased spouse. In all other states the surviving spouse is not responsible for debt that is incurred solely by a living or deceased spouse.

Is the spouse of a deceased credit card holder responsible for his debt in New Jersey?

You should contact an attorney in New Jersey to get an exact answer..However, normally if you have not signed the credit card contract, or any contract, you will not be held liable to the debts of a deceased spouse..Remember..A creditor can go after the estate of a deceased spouse. * No, New Jersey is not a community property state, therefore marital debts that are not jointly held belong solely to the spouse who held the…

Is the surviving spouse responsible for the medical bills of a deceased spouse in NM?

The estate is responsible for all the debts of the deceased in New Mexico. The spouse will only inherit what is left after the debts are resolved.

In Missouri is the spouse responsible for credit card debt when the other one dies?

If the surviving spouse was not an account holder then he or she is not responsible for repayment of the debt. FYI, authorized users are likewise not legally responsible for credit card debt as it is assumed the AU has no control over how the account is handled.