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 âdonât you want them to go to the grave without debtâ, 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 wasnât 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 wasnât liable for any of it, but if she had ever agreed to pay before finding out that she didnât need to, she would have been considered to have taken on his debt and would have HAD to pay it. Itâs slimy, itâs predatory, and itâs entirely legal for them to do this.
Never accept the credit card companyâs word about your obligation to pay anyone elseâs debt, if you donât have access to the card, ask a lawyer before agreeing to anything.