To TMcJD, My husband passed away oweing a Credit Card Debt. On this Card I was an Authorized User. The Credit Card Company passed this Debt to a Collection Agency. The Collection Agency said I am not responsible for this Debt. But after he passed away I used the Credit Card thinking I was a Cosigner. They ask me if I wanted to take over the account, after that I found out I was just an Authorized User. nothing was signed. The Collection Agency is now looking at his Estate to collect the Debt. At the time of his Death the House was passed over to me with a Survivorship Deed. The House is now in my name only and is payed off, but there is a Second Mortgage on the House. The Car at the time of his Death was in his name only. It now is in my name and is payed off. I live in the State of Ohio. My Question is can the Collection Agency go after my House or Car in any way?
Hello, I will be happy to assist you with your question. Please note that I cannot provide legal advice – I can only give you information concerning the legal issues raised by your question. I DO NOT receive credit for my work until you rate my answer as OK service” or higher. Please DO NOT RATE MY ANSWER as "Bad service" or "Poor service" (or the 2 stars on the left if you see stars), as such a rating leaves negative feedback for me personally. Instead, if you feel one of those ratings would be appropriate, please reply to me via the REPLY or CONTINUE CONVERSATION button with the issue you have, and I will be happy to continue further and do everything I can to provide you with the service you seek.Your Answer:As he was the owner of the account and you only an authorized user, you cannot be held liable for any debt due on the account.However, your use of the account after your husband's death could result in your liability with respect to the amount charged to the account after his death.As noted above, if you need clarification, please do let me know. And, again, I DO NOT receive credit for my work until you rate my answer as “OK service” or higher. Bonuses are always appreciated.If you later open a new question and would like my assistance, please begin the question with “To TMcJD….” This will ensure that only I answer the question. Thanks.
Wills, Trusts, Probate & other Estate Matters
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).