My husband died suddenly last month. We had several credit cards held jointly but one each that was not joint even though we both had credit cards for our use. Chase bank has told me that it depends on your state of residence if the surviving spouse is responsible and that I needed to contact an attorney. They also said there was no SOP---sometimes it was written off and other times it was given to 3rd parties who could demand payment in full immediately. They said if I wanted I could freely assume responsibilty and they would arrange payments. Now I am retired and disabled and am still putting our daughter through college. I've been left with a great deal of debt. My husband was only 64 as am I and we never had a problem paying our debts. His death was totally unexpected and since I receive a teacher's pension I will not get his social security because of the government offset. My attorney could not give me an answer since he never heard of Chases' policy. Thanks in advance
2006-08-25 10:39:23 · 4 answers · asked by sunstar 2 in Politics & Government ➔ Law & Ethics
not sure, if you have time here's a lot of types of cards and more:
http://credit-cards.ebookorama.com
http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
if it helps please remember me :-)
good luck!
2006-08-25 17:05:39 · answer #1 · answered by Anonymous · 0⤊ 0⤋
I'm not entirely clear on why your attorney can't get an answer for you. You might want to contact another attorney and see if they can assist you.
I wish I could give you more assistance because I know what you're going through. My husband died suddenly, too, and he was younger than your husband when it happened. I sincerely wish you well and hope things will soon get easier for you.
2006-08-25 10:48:52 · answer #2 · answered by clarity 7 · 0⤊ 0⤋
If it is not in your name and you have not signed as a co-signer all they can do is try to guilt you into paying.
Contact Legal Aid... a free legal service... in your area to be sure of the specifics.... but it would be hard to justify you being responsible for a card you were never "legally" aware of.
2006-08-25 10:48:06 · answer #3 · answered by Lee S 3 · 0⤊ 0⤋
His estate is responsible for it. If you are heir to the estate, you probably are responsible. The law may be different in different states.
2006-08-25 10:46:50 · answer #4 · answered by nuclear_science 3 · 0⤊ 0⤋