my husband died last july 24 and he had left us debt with his personal credit card, am i supposed to pay?

Answer 1

It really depends upon which state your husband and you lived in. SOme states are "community property" states where all assets and debts are presumed to belong to both parties in a marriage.

In most states, however, your responsibility will depend upon whether the account was a joint account or not.

If you were a joint account holder with your husband, you would be just as responsible for the debt as was your husband.

If you were an authorized user or not on the account at all, you are NOT responsible for the debt. The following is info for non-community property states.

If your name was not on the account and you do not live in a community property state, when your husband passed away, the debt became a debt of the estate and needed to be paid by the estate. If there are not enough assets in the estate to pay the debts, the debt will be written off by the credit card company. Debts of the estate will need to be paid off before any inheritance can be passed on to the heirs.

To divide assets and pay debts, probate might need to be filed if the estate is large enough in value. Without your state, I can't tell you the exact process you need to go through for probate.

If anyone else was a joint owner on any of your husband's property with him, it is possible that those assets will pass outside of the estate, and won't have to be used to pay his debts. For example, if he owned land with someone else, and it is titled as "joint tenants with rights of survivorship", the other owner or owners will then own the property and it doesn't need to be used to pay his debts.

In addition, life insurance proceeds that go to a designated beneficiary and not just paid to the estate, passes outside probate and doesn't need to be used to pay the decedent's debts.

Condolences on the loss of your husband.

Answer 2

If it was your husbands sole account and you did not have a credit card of that account ( you were not an authorized user) then no you will not have to pay. Contact them and they usely will request the death certificate, so have copies of that handy. If you were an authorized user, or on any account it was a joint venture, then yes you will have to pay the debt.

Sorry about your loss.

Answer 3

You should immediately find out exactly what kind of card he had and what plan he had, if you can. I know my card, for example, offers insurance for myself in case of injury or death, and I do believe a portion or all of my account is paid off should I die. It depends if he ordered that type of service with his card. I would call the credit card company and inquire, they will tell you better than anyone else.

Good luck and take care.

Answer 4

If the card is in his name only then send copy of death certificate to card company.Is there an estate?If the house you live in is joint ownership then you will still be responsible for mortgage payments and property taxes.

Answer 5

His debts have to be paid out of his estate. They have the right to be paid off before anyone gets anything of his. This includes car, house, money, coins, firearms, etc.

Answer 6

If your name was not on the card then I do not think that there is anything they can do. I am sorry to hear about your husband..

Answer 7

since you were married, then unfortunately it is now your debt as well, unless there is a statement on the card that says upon death all debts are void.. Sorry to hear about your husband...

Answer 8

you pay if you are a joint holder of the credit card
otherwise the bill must be paid from his estate account

Answer 9

it really depends on the state you live in. i think for example, if you live in cali his debt is your debt even after his death, but in ny you dont have to pay his debt after his death

Answer 10

this is just my guess but if it was in his name only you don't have to pay a dime but obviosly if both names are on it you have to pay...p.s. I'm sorry to hear about your loss I give my condolences. :)