Mother Has Credit Card Debt, Will It Be Passed on To Me?

Question

I mom has a large credit card debt, if she gets ill or dies. Can those bills that she hasn't paid be passed on to me?

Would I have to pay the bills she hasn't? One which include a student loan (parents plus loan), she took out for me?

Is there anyway creditors can make me pay that bill.
She is disabled and doesn't work, receives ssu

Answer 1

No. Unless you have cosigned for the debt, liability ends with her.

Of course her debts would have to be paid before you could inherit anything.

Answer 2

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-consolidation.htm

if it helps kindly remember me in your voting!.. cheers!

Answer 3

You know, I've heard of that happening before. I don't know how to check unless you actually search specifics. The student loan can be checked by asking whoever owns the loan. Her other bills might also be checked that way.

Are you worried because she may die soon? Can't you help her pay her bills? Morally it would be nice for her to pay off her debts before she died, since if you don't have to pay them, someone else will. Probably the tax payers in one way or another.

Answer 4

All of a person's debts are passed on to their estate when they die, except student loan debts.

If your mother dies, then her estate will have to cover the value of the debts. If, after the estate is liquidated, there is still oustanding debt, that debt is passed on to the next of kin (although exactly how varies state-by-state, if I recall correctly).

Answer 5

no, unless you were a co-signer. Apon death, her estate will pay for any debts. If the estate cannot cover the debts, the creditor does will write it off as a bad debt.

Answer 6

They can seek to take it out of the estate. Check to see whether she had insurance on the card because then that would pay the balance.

Answer 7

NO