The estate or co-debtors.
AnswerNo, you need to send a copy of the death certificate to the credit card company. You are not responsible for your father's debt.
The person who carried the card is still responsible for the debt.
The estate is responsible for debt. That is one of the reasons for opening probate.
Only if the person were a joint debtor. If the person did not jointly incur the debt nor enter into a financial agreement as a cosigner he or she is not responsible for that debt.
The estate is responsible for the decedent's credit card debt.
The person who the will go with.
The person who is the account holder is responsible for the debt unless it can be proven the debt was fraudulently incurred.
No.
No, you are not responsible for their debt. The only person legally responsible for a debt is the person that signed the contract for the debt. It doesn't matter if your dead parents left you money. Collection agencies cannot legally collect someone else's debt from you - but they will try. See the FDCRA to know your rights in debt collection.
Review the divorce decree. It typically specifies who is responsible for the debts of the couple. Their estate has to resolve the debt if it was assigned to them.
The borrower, i.e., the person who signed the note, is responsible for payment. If the borrower has died their estate is responsible. If there is no estate the creditor is out of luck. If there was a co-signer then they will be held responsible for paying the debt.
The banks would like you to think that the person's family is responsible, but this is not true. The person who made the debt and who has no other person on the account is responsible. This means that a husband or children of the person who died does NOT inherit the debt unless it is a joint account. Your name has to be on the account to have them collect the debt. Otherwise you don't owe what the person left. However, the decedent's estate is responsible for paying their debts. If the decedent owned any assets at the time of death, their debts must be paid before any property can be distributed to the heirs.