I posted a question on this matter in May, now the estate recovery company for Fleet credit card has sent a letter to my sister who lives in Illinois offering her a deal to pay 1/2 of the debt amount in order to settle this. My father passed away in January with no assets, meaning he did not own any real estate or own anything in his name, other than his bank account which was a joint account with my sister as well as 2 small CD's he held jointly with my sister. His bank account only had enough money in it account to cover his funeral expenses. He lived in Illinois with my sister at the time of his death. My husband had already talked with this estate recovery company and told them that there was no estate since he did not own any real estate or anything of value and that we were not able to pay off his credit card debt. Now they are sending my sister in Illinois this letter trying to get her to pay at 1/2 of the 5,200.00 debt within 30 days. It was my understanding that we are not liable to pay off his credit card debt so why is this estate recovery company sending my sister this letter? What do we do about this? Do the laws in Illinois require that we pay this credit card debt? Thanks in advance for any help again!