Hopefully she has left a Will. If she owns a house or property this is called an Estate and this also includes contents of where she lived. Here are two scenerios: If your father predeceased your mother and she is left with a house and the property it is on, plus a vehicle, and she has left a Will, then there would be an Executor/Executrix (male/female) named in the Will. If there isn't then it will be put in a Trustee's hands for Probate. Probate is to make sure all taxes are paid on that property and all creditors are paid and this also includes personal income tax. Once that is done (takes about a year) then the Executor/Executrix or Trustee will inform the heirs of the Will and all monies or property will be divided as ordered in the said Will. If your mother was living on a fixed income and she was renting and had no property and few contents such as furnishings, etc., and no Will, then the Credit Card company is out of luck and will have to take their loses. You are not responsible for the Credit Card companie's loss. I am so sorry for your loss. Marcy
If your mother died without any assets but died flat broke, you are not responsible for her bills. You do not have to pay her bills out of your own money. (You have to pay any expenses you arrange for after she dies. If you buy a funeral you have to make sure it is paid for.) However, if your mother left you money and you are the executor of her estate, you must pay her bills.
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