What is the name of your state?What is the name of your state?What is the name of your state?What is the name of your state?What is the name of your state? California
If a credit card debt(unsecured credit) is in the name of only one spouse and that spouse dies, is the surviving spouse responsible for the debt? Is the estate responsible for the debt? Is there an exemption related to certain assets, from unrelated liabilities of the estate? In other words, the debt directly related to the asset, such a mortgage on a home or an installment loan on an automobile would be assumed, but a credit card debt would not be paid from the estimated value of the exempt assets. Does California law require(allow banks to collect from the) proceeds of a life insurance policy, to pay the credit card debt(unsecured debt)? The estate will have a very limited amount of assets and the surviving spouse will need the assets, so can the credit card liability be eliminated, without payment?