Shred it and let the company know. They will want to file a claim against the estate. If the estate has no assets, they won't get paid.
Get StartedThe Request to Cancel Credit Card is used to request the cancellation of a credit card. It may be a cancellation request for your credit card or you may be making the request on behalf of someone else, for example, on behalf of a card holder who has died.
"American Express has not died down in the credit card market. They have become more flexible in their credir card offers, especially repayment schedules during our current recession."
The estate of the person who has died is responsible for any debts. If there is not enough money in the estate to pay these debts then the people or companies to whom the debts are owed, simply never get paid. The descendants of the person who has died do not have to meet these debts unless they are party to the debt agreement (i.e. they signed the debt agreement too - i.e. the credit card is held in joint names).
I would consult an attorney if I were you.
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.
I live in California, and my grandmother passed away and I contacted the credit card companies, told them she died, sent a death certificate, and they took care of the debt.
Send a letter to the credit card company. Include all the pertinent information about account numbers and addresses. A copy of your letter of authorization from the court should also be included. The credit card company will then file a claim against the estate for any balance owed.
If not directing the card specifically to the daughter in this case, usually you would address to "The Family of [deceased]".
Would i have to pay for my spouse's credit bills in the state of Michigan if he died
Unless you have some stake in the company, you have no liability on any credit card transactions. Unless you continued to use the card after the owner's death. That COULD be a criminal act.
Not sure what the procedure is for all credit card companies, but as long as you are not in charge of the deceased's estate, and your name is not on the credit card account, then you are not responsible. However, you are supposed to call the credit card company and report their death. Any charges incurred after the date of the deceased's death, you are responsible for -- as an authorized user. If you wish to assume the credit card account, you must send the company a copy of your documents naming you as the 'executor of the estate'. This was the case in my mother's recent departure.
No, it could be considered fraud. In most cases the credit card company will close the account as soon as they discover the death. They often check the SSN register against recent deaths. It isn't a good idea.