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It all depends on what state you live in. Contact the credit card companies they can tell you
Yes.
Both owners of a joint credit card are equally responsible for paying off the balance on the card. When one dies the survivor is responsible for the full balance.
the wife
Yes, they are a creditor that can make a claim on your estate.
No.
the deceased' inheiritance
Yes
Depends on whether you are in a community property state. If you are, and married, your spouse dies, you/estate is responsible for the bill.
Yes, if the loan is at the bank where the debit card was issued.
No,thats wrong if there family its even worse
The person's estate pays for all outstanding debts.