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Question
My father just recently passed away. He had several credit cards, a loan, and a vehicle loan that my mother was not a co-signer on any one of them. One credit card in particular just went to collections and a law firm handling that collection is starting to harass my mother. Is she responsible for this credit card? They do not own a house and any other property so there is no estate as they claim in their correspondence to the house.
It is not likely she is obligated but it depends on your state. If she has no assets and is on a fixed income they cant get much anyway. She needs to send them a cease and desist letter and relax. They cannot get what she doesn't have.
What state are you in? I will check state collection and probate laws to see if they have any claim to her assets.
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Answers by Expert:
Michael Brotherton
Expertise
Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).
Experience
Over 40 years combined experience negotiating disputes and resolving financial issues related to consumer debt, corporate issues and mortgage modifications.
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