I have received two letters from the credit card company which holds two cards in my husband's name. I had called the company on August 23rd to report his death and stop the auto-payment. At the behest of the person to whom I spoke, I sent a letter and a copy of the Death Certificate. One of today's letters requests the Death Certificate, but as it is dated on the same day as I sent it along, I assume it has crossed in the mail. The other is from the bank's Estate
Department and contains a very involved form which I merely glanced at, not wanting to fill it out lest I somehow make myself liable for these debts which are overwhelming in my present circumstances. I drafted a letter in reply containing all the information necessary to address the account, but I want to see if I have said too much (or too little) or what else I should do especially as I am VERY uncomfortable trying to fill out the information in the Estate form:
I received your letter of August 23rd and a package from your Estates Department.
This is to let you know that my husband’s Death Certificate was mailed to you on August 24th with a cover letter including his case number XXXXX information I had received from your representative by phone (copy of both annexed).
My husband died intestate
. Aside from some credit cards and a loan in his name, everything else was held jointly. I understand that legally I am not liable for any of those debts in his name alone, neither can payment be demanded or collected from any assets we held jointly—which is all that remains including our home.
If this letter is a sufficient response, please let me know and I will send it out. If, for some reason, it is not, please tell me what I SHOULD say and/or do. I will resend the Death Certificate along with the original letter, but this is a very difficult situation since I must walk away from these debts though my natural instinct is not to do so.