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[EstOfNicoleMill]

What is the name of your state? nj

My wife and i recently got married, but was diagnosed with cancer and passed away 3 months later. I have notified all of her creditors of her passing, but the bills are still coming in. the cards were attained prior to marriage and only under her name. now the bills are coming in addressed to "est of..". what can i do to stop them from coming in? what can they do to collect? will/can my credit be effected?

[seniorjudge]

Originally Posted by EstOfNicoleMill

What is the name of your state? nj

My wife and i recently got married, but was diagnosed with cancer and passed away 3 months later. I have notified all of her creditors of her passing, but the bills are still coming in. the cards were attained prior to marriage and only under her name. now the bills are coming in addressed to "est of..". what can i do to stop them from coming in? what can they do to collect? will/can my credit be effected?

Unless you agree to pay for these bills, you can ignore the creditors.

It will probably take two to three years for them to get the message.


Standard answer on expired SOL and/or validation and/or dispute letters. There are thousands of posts similar to yours on this forum so I have prepared a standard answer.

SOL (Statutes of limitation are DEFENSES to lawsuits; they do NOT provide a method to stop someone from suing you. This defense means when they sue you, you answer with the defense that it is barred by the SOL.)

[url]http://www.bcsalliance.com/y_debt_sol.html[/url]

[url]http://www.fair-debt-collection.com/Disputing_Collections/SoL-dispute-letter.html[/url]


Validation letter samples you can get at :
[url]www.creditinfocenter.com[/url]
and [url]www.creditboards.com[/url]

Make sure you ask for VALIDATION (and do not accept verification).


Disputes: You can write a letter of dispute to the three credit reporting agencies.

Go this website to find instructions and samples for how to dispute: [url]http://www.creditinfocenter.com/creditreports/[/url]

Sometimes errors are easy to remove and sometimes they stick like glue. It is inexpensive to try and not difficult.

I am NOT a creditor-debtor lawyer; stand by for further help.

I am NOT vouching for the accuracy of these websites!

Debt settlement:

[url]http://forum.freeadvice.com/showthread.php?t=293829[/url]