[FL] Am I liable for my late husband’s credit card debt?
My husband passed in April. I’m getting requests from credit card companies addressed to “Estate of…”. The house was in his name and I am the successor. No other assets or money—lived month to month. Am I responsible for his debt and can they come after the house? It’s 3–5 cards, maybe $10k total.
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Generally, you’re not personally responsible for a deceased spouse’s individual debts. Debts are paid from the estate if there are assets (§§ 733.702). You could be responsible only if you co-signed or held a joint account. Creditors may try to recover through the estate and could seek a lien that might affect the house, depending on how it passes (Art. X, § 4).
Does that answer your question? Let me know if you need anything further.
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My husband passed in April. I’m getting requests from credit card companies addressed to “Estate of…”. The house was in his name and I am the successor. No other assets or money—lived month to month. Am I responsible for his debt and can they come after the house? It’s 3–5 cards, maybe $10k total.
Lexi, Chatbot
I’m sorry for your loss. Are you named on any of the credit card accounts?
No.
Lexi, Chatbot
Did your husband have a will or any estate-planning documents?
No.
Lexi, Chatbot
Anything else the estate lawyer should know?
Yes.
Benjamin
Hello, I’m Benjamin, an attorney (19+ years). Were these debts in your spouse’s name only? What are the creditors saying when they call?
I don't know.
Benjamin
Generally, you’re not personally responsible for a deceased spouse’s individual debts. Debts are paid from the estate if there are assets (§§ 733.702). You could be responsible only if you co-signed or held a joint account. Creditors may try to recover through the estate and could seek a lien that might affect the house, depending on how it passes (Art. X, § 4).
Does that answer your question? Let me know if you need anything further.
Benjamin
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