AboutApex Credit Services, LLC Expertise Our expertise encompasses the legal frameworks under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act amendments to the FCRA, and the FCRA. We are also well versed in Tennessee and West Virginia consumer law as well as Texas consumer law.
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Experience Our staff is comprised of CCPA experts. Apex Credit Services, LLC, which is a registered, licensed, and bonded credit services organization and certified by the Consumer Data Industry Association.
Question My husband passed away on June 12. At that time, he had two outstanding leases, one on a Honda, one on a Mercedes. I continued to make the monthly payments until I could surrender the cars. The Honda lease was new, the car was returned in September and after advising them there was no estate, they charged the remainder of the account balance, approximately $7,000. The Mercedes was returned in August and they were advised at the time they sent a billing in September that there was no estate. This afternoon, I received collection call. Not only was he verifying my husband's information, but he began to ask questions regarding addtional vehicles in his possession at the time of death and also wanted to know what had happened with his life insurance. I told him that any questions other than issues with Mercedes were none of his business. He replied that he was marking them down as I refused and proceeded to tell me to have a good day and hung up. The leases were solely in my husband's name. There was no estate as all assets were jointly owned. Can they really ask questions like that? What Mercedes wants is the remaining lease payments (4 at 539.00, as well as a disposition fee and early termination fee, totalling around 2,000). My husband was not a rich man, I have not been able to find a job and am struggling to support two children. Can they come after me?
Answer Grace:
If you were not a joint applicant, they cannot pursue you for the debt if the estate was void of any assets. This would not apply if you reside in a community property state.
