Credit card companies will TRY to saddle you with this kind of debt by the way - if ever a loved one dies and you are not co-signed on their credit card, do NOT agree to pay their debt unless you ask a lawyer first if you truly have to.
They will say “don’t you want them to go to the grave without debt”, they will try to guilt you, they will take advantage of your vulnerability.
Source: when my father died, he had some credit cards that my mom wasn’t on that she had no access to. The companies contacted her while she was sorting through the bills and getting a handle on how to run the house alone, badgering her with his credit card debt.
She wasn’t liable for any of it, but if she had ever agreed to pay before finding out that she didn’t need to, she would have been considered to have taken on his debt and would have HAD to pay it. It’s slimy, it’s predatory, and it’s entirely legal for them to do this.
Never accept the credit card company’s word about your obligation to pay anyone else’s debt, if you don’t have access to the card, ask a lawyer before agreeing to anything.
The credit card companies 100% sent me letters informing me how much my dad still owed. In this “bill” instead of Amount Owed or Due it said “Amount Enclosed”. They couldn’t say I owed any money on his behalf, but they will say absolutely anything else to make you believe you have to pay.
Know your rights
