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.