deceased husbands debt

[BBL]

What is the name of your state? CA
My husband passed away suddenly, there was no life insurance, no property, except a 1990 car. I was married to him less than a year. He left behind 50.00$ in his checking, he qualified for Medi Cal. He left behind four credit cards two were closed several years before I meet him, he was making payments. I am not an authorized user on any of these accounts, nor was I a joint applicant. They won't even give me information on these accounts. Am I responsible for these accounts? And is a Death certificate sufficent enough to satisfy these creditors? They keep asking me who the executor of the estate is. There wasn't a will because there was nothing to will.

 

[Ladynred]

If these debts were his BEFORE you were married, then they are considered 'separate' and NOT part of community property - therefore you have NO liability for those debts. If he died w/o an estate of any kind, or it was insolvent, then you send the creditors a letter stating that he is deceased, he was insolvent and there was no estate and therefore no probate. Include a copy of the death certificate. Mail the letter(s) certified, RRR, and keep copies of them in a safe place for a long time. Be prepared for any of them to claim that you owe just because you were married in a CP state - it will be a lie, don't listen to them.

The only ones you *could* be held liable for is any debt incurred during your marriage, and even then YOU would have had to derive a benefit from whatever was purchased for it to be lumped into community property.

My condolences for your loss. Less than a year is tragic

 

[BBL]

Thank you lady, it is all a little overwhelming.

 

[Ladynred]

I know.. just don't let them bully you, stand your ground, you're not liable, whatever lies they may tell you.