My husband died a few months ago. We had been separated for most of the year before that, during which time he racked up about 65k in credit card debt across 6 or so cards. The bulk of the debt is on 2 cards that I am an authorized user on. When I called to tell them he had died, they let me know I was not liable to pay them back since I’m only an authorized user.
Understandably though they’ve been passed on to debt collectors who are constantly calling me and I was informed by Mint that my credit is taking dings for now being in collections on these cards.
There is no money in his estate to pay off the cards.
So I’m wondering how I handle these collectors now? I was told after a year they can no longer come after the money but if my score will be hurt during that time, I cannot wait another 9 months to deal with this.
What do I say? How do I get them to stop harassing me and more importantly, how can I stop being dinged by something I am not even responsible for paying back?!
Everything in this process has been extremely difficult and time consuming and any help anyone can shed on this issue and how to handle these creditors would be fantastic. Thank you!
Submitted December 07, 2020 at 08:42PM by giveupghost https://ift.tt/3oxqgBE
