Notice: We are still operating during the COVID-19 crisis. However, we are not allowing visitors to our office and most of our staff is operating remotely. Our attorneys and staff are still available to help you by phone and email. If you get our voice mail, please leave a message and it will be returned promptly. There may be delays with mail due to the crisis, so please try to send documents by email after submitting a contact form here or fax to 312-419-0379, if possible.

Decedent's Debts

Question: If your parent passes away and leaves outstanding credit card debts, who is responsible for payment?

Answer: If anyone else is contractually liable on the account (not a mere authorized user) they remain liable. If there is no one else contractually liable, the estate of the decedent is liable. If there is no one else contractually liable and no estate, no one is liable. Beware of attempts to change names on accounts or collect money from relatives. They are common, and often violate the Fair Debt Collection Practices Act. Also, no one should use the decedent’s account, as that may result in personal liability.