the husband will not be responsible for any credit accounts that his name has not been included. the credit companies sometimes try to threaten or make you feel guilty but legally they don't have a leg to stand on.
No, all of your deceased wife's debts are written off by the creditors as soon as you send them a copy of her Death Certificate and/or you list them in an estate case filed in probate court, thereby separating her debts from yours. Consult a Probate or Estate attorney. Thirty minute (30) consultations w/attorneys are usually free, so take advantage of this and take notes.
No you wont be, as the credit was in his name only, because if he dies you cannot use the credit cards as they are in his name not yours. This is how I understand the system here in australia.
If he put your name on the cards so you could use them, you're responsible for all charges you both made. If your name isn't on the cards you don't have to pay.
If you are in a "community property" state, you both are.
check Federal Bankruptcy act 801.3
If his name is not on the card,(He did not sign for the card) Then NO! And credit cards are unsecured loans.
Yes, you are married. For years I didnt even work or have credit cards, but I established credit due to my husbands last name, because we are married.
If your name is on the account you have to pay. If not, you need to send a copy of the Death Certificate.
Yes, if you share assets then the credit companies will consider you responsible and come after you for the unpaid debt. You may consult a credit councelor, they may have a loophole that the general public doesn't know about.
Credit cards are also called charge cards.
If your name is not on the account, and the account is not considered a "joint account" by the credit card company, then you should not be held liable for any debt on your wife's credit cards.
In California, the responsibility to pay off the deceased husband's credit card debt typically falls on his estate. If the wife is not a joint account holder or a co-signer on the cards, she is not typically responsible for the debt. However, it's advisable to consult with a legal professional to understand the specific circumstances and obligations.
Pull your credit report.