In Tennessee, if a deceased person's credit cards were used with no one's knowledge, can the company collect?

Question

The use of the cards would have taken place over a year ago.

Answer 1

I must strongly disagree with the previous answers here.

Upon the death of a person, all accounts are supposed to be closed and turned over to probate.

In this case, if the card in question has a joint user, then that user will be responsible for all charges before and after the death.

If it's the deceased is the only person listed on the card, then that card was supposed to be closed. Continued use would constitute fraud and someone is going to be in big trouble!

Answer 2

Being in extreme-college on the time you regular the cardboard isn't the issue. How previous have been you? Did you lie and tell them that your have been over 18? that ought to be considered fraud. in case you have been decrease than 18, they would not have presented you the cardboard considering the fact that a minor can not sign a binding settlement including a credit card settlement. Did you nonetheless use the cardboard when you grew to become 18? in case you probably did no longer (and that they knew your genuine age), then you truly've a protection. in case you probably did use the cardboard after turning 18, you're responsible. in the event that they win the lawsuit, you will ought to pay. in case you think of this is the case, attempt to settle with them for a lesser volume in the previous you bypass to court.

Answer 3

If this is a case of identify theft, they should still qualify under the credit cards zero liability protection.

If it is debt that was owed by the deceased, you would settle that with the estate.

Answer 4

only if there is a joint owner maybe. If the deceased was the only name on the card, I think the company would have a hard time collecting.

Answer 5

Nope, not anywhere! $0 liability. But be sure there is no other ID theft going on and put a fraud alert on that person's credit. Good luck!