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Hello, If yur wife is not a cosignor on the account she would not be responsible for the debt. For her to be shown responsible the credit card company would have to prove that your wife used the card for her own use intending to defraud the credit card company. The remaing balance in the checking account can be used to pay her final expenses and if there is anything left you can pay the credit card company. You will need to send a letter to the credit card company telling them she died and include a copy of her death certificate. Send the letter certified return receipt so you have proof of mailing. Thanks Tom