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HiCustomer Thank you for asking your question on JustAnswer. The other Experts and I are working on your answer. By the way, it would help us to know:-What city and state do you live in?-Was an estate opened after your husband passed away?
Did he leave any assets?Thank you again for trusting us with your problem. Please reply as soon as possible so that we can finish answering your question.
DearCustomer- I am assuming that no one is attempting to collect the debt since you made no mention of any collection activities. The credit bureaus are private companies so you must write a letter disputing the report of this debt on your credit. Unless you used the card you have no personal liability for your husband's credit card. If there was no estate and no assets then there would be nothing for the credit card company to collect from.
If the credit card company institutes any collection activity you will also have to defend that in a court. Dealing with the credit bureaus can be a nightmare but you must write a letter disputing the debt to have any chance of getting it removed. If all else fails you can sue the credit bureaus but, depending on how much is owed to the credit card company, it may be cheaper to pay the debt.
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