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socrateaser, Attorney
Category: Estate Law
Satisfied Customers: 37822
Experience:  Retired (mostly)
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How do you write an insolvency letter for someones estate

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How do you write an insolvency letter for someone's estate when there is no money to pay the debt.
You can simply send a note stating that "To whom it may concern: This is to notify you that the account holder, NAME, is deceased. Enclosed is a copy of the certificate of death. The decedent's estate contains no assets, and no probate action is contemplated. Sincerly, YOURNAME."

I would not identify myself as the decedent's surviving spouse, because it is possible that if there is any commingled asset accounts or property acquired by you or your husband during marriage, that the creditor could attempt to collect your husband's debts from you.

Hope this helps.
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