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I would seek the advice of an attorney on this question. The fact that she has been using the cards after his passing could make for a sticky situation if she defaults and they find out she has been using the cards.
What are the balances? Any possibility of her taking out an installment loan with a lower payment and closing the cc's?
Yes, she's definitely going to need to see an attorney about this, if she's already defaulted on two of those cards.
Is Grandmother age 60 or older? Are you sure she is drawing supplemental SS, or did she ever apply for deceased husbands SS benefits?
@Anonymous wrote:
I stand corrected, she collects it because of him. She has deceased benefits.
I don't think any of that matters. The problem is with the fact that they were his cards and were not closed after his death and she continued to use them. I would really consult an attorney to determine what legal actions the credit card company can take.
I agree with medicgrrl.
Upon death of the cardholder, the account should have been closed to any further use, which would clearly include any authorized user.
She is not legally responsible for the debt, and the administrator of his estate should have included that account notification under their duties.
The debt on the account should have been handled in the administration of his decedent estate.....