I made payments but a collection agency is ruining my credit by attempting to collect the entire debt. My husband is deceaased and I did use the card. I was not a joint user.
2006-11-05 13:58:22 · 14 answers · asked by myra3901 1 in Business & Finance ➔ Credit
The minute you used the card after your husband passed away you, in essence, affirmed that you would be responsible for the debt.
As your husband's survivor and probably the only person to benefit from his estate, either the estate or you personally would be responsible for this debt.
So no matter which way you look at it, you need to pay it, or make the determination to file bankruptcy. There is no in between
2006-11-05 14:44:57 · answer #1 · answered by Gem 7 · 0⤊ 1⤋
So many wrong post
An authorized user is not responsible for another persons debit.
It has to be a Joint account.
If you used the card after he died. That amount charged is all the person is responsible for. Anything else would go to his estate if the credit card company did anything.
To find out how to deal with collection agency go to creditboards.
They have people who been in your situation and can possible help you out. Do not Criticize one troll or you will get banned. His nick name is George.
Don't offer to pay the collection agecny a dime. Especially do not send them a check or give them any other account number.
2006-11-07 03:02:06 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Sorry to hearken to of your loss. you will would desire to communicate with an materials criminal professional. whilst somebody dies, their materials owns the money and the exector or their will desires to play off all debts making use of materials. If there is not any money left they'd declare the valuables bankrupt. debts would desire to be paid earlier any (monitary) materials of the desire are presented. coverage money to the valuables are seen area of the valuables, those to a particular individual are actually not area of the valuables. If the home is in his call, then that's seen area of the valuables. If there is not any will, then you definately will desire a criminal professional to shield it and the province would assign an executor. If he owes $30,000 in credit playing cards, then the valuables owes them $30,000. If the executor of the desire does not pay them, they'll bypass to court and positioned a lean on any materials of the valuables. Realistically, you will would desire to come again up with some way of paying lower back Scotiabank or negotiate some reimbursement plan. attorneys are stable for locating for issues, yet you're able to inspect materials of existence coverage, any coverage coverage via the domicile's coverage regulations, the different materials that he could have. as quickly as may additionally inspect borrow the money from acquaintances or relatives, or according to risk a 2d loan. in spite of the incontrovertible fact that, in case you would be unable to pay -- merchandising the domicile and shifting to a low priced place could be an decision.
2016-10-03 07:59:35 · answer #3 · answered by ? 4 · 0⤊ 0⤋
Yep, you have to pay and you are also being labeled as a dishonest women. Why would you disrespect you deceased husbands name that way. This company and the collection agency has you pegged. You are responsible for anything that your husband had. Once he is gone, you will be called upon to pay for the rest of his debts. And if you don't pay, they can put liens on to your home and personal property. If it is a lot of money, they can even force a Sheriff's sale.
2006-11-05 14:09:45 · answer #4 · answered by Norskeyenta 6 · 0⤊ 1⤋
Actually it is fraud to use it at all. The account and any others should be closed immediately. Depending on the company they may try to collect it from you and put it on your credit report. It would be best to contact them. You may have to fax them a copy of the death certificate. I have seen on my husbands credit report, cards that were only in my name, that he never used. I guess it's legal if you were married, if not, they couldn't do it.
2006-11-05 14:10:17 · answer #5 · answered by noseygirl 5 · 0⤊ 1⤋
I work as a credit analyst and yes you have to pay they will trace the date of his death and purchases made after that time therefore you are liable for payments. Also you are his wife if you were legally married you still have to pay his bills are your bills now.
2006-11-05 14:23:56 · answer #6 · answered by classy chic 3 · 0⤊ 1⤋
Of course you have to pay...fair is fair.
I'm sorry to hear about your husband's death, but credit card companies aren't a charity. If you owe them money, you need to pay it. Remember - it's not *your* money...it's *their* money, you're just borrowing it on their terms.
2006-11-05 14:07:40 · answer #7 · answered by The ~Muffin~ Man 6 · 0⤊ 1⤋
as long as your name and signature were on the application for the credit card, yes you have to pay
2006-11-05 15:42:14 · answer #8 · answered by luciousgreeneyedlady 5 · 0⤊ 1⤋
The debt actually belongs to the estate, but if you are the benficiary of it, or if it reverted to you, then you have to pay.
2006-11-05 14:04:49 · answer #9 · answered by Waferette 3 · 0⤊ 1⤋
Authorized user...you lose.
2006-11-05 14:08:00 · answer #10 · answered by Anonymous · 0⤊ 1⤋