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


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Answered 2007-02-22 19:06:11

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.

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

No.


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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.


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

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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?

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Is spouse always responsible for deceased debts if they are not on the credit card application?

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Who is responsible for Spouse credit card after death?

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In Oklahoma is a wife responsible for deceased spouse credit card bills?

Yup.


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?

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


Is a surviving spouse in New York responsible for repayment of credit card debt only in name of deceased spouse?

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

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If you live in Louisiana is a wife responsible for the credit card debt of her deceased spouse when the account was in his name only?

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

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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 as it may, the surviving spouse or other family members are not responsible for the debts of the deceased unless they were a joint account holder.


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

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

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