Good afternoon Mimi. My name is ***** ***** I look forward to helping you.
First, let me tell you how sorry I am for the loss of your husband. I know this must be a difficult time for you and I will certainly keep you in my prayers.
The answer to your specific question is NO! In community property states, even though only one spouse signed the credit card contract, it is possible that the non-signing spouse may have incurred liability without signing the credit card application. The determining factor when such a debt is incurred during your marriage is this: "Was the credit card used for the benefit of both members of the marriage?" If yes, then liability may accrue to the non-signing spouse in community property states; if no, then the non-signing spouse has no liability. You would want to take the position you had no knowledge of this debt and that you did not benefit from the debt. But, even if you did benefit, they're not going to be able to touch your mobile home because it's an exempt asset. So, you really have no worry. You can simply write the creditors informing them of your husband's death (include a death certificate), that these were his cards from which you received no benefit, that he had no probate estate assets to pay the debt, and that thus the creditor will need to write the debt off as a bad debt. That is typically the end of this for you.
Thank you so much for allowing me to help you with your questions. I have done my best to provide information which fully addresses your question. If you have any follow up questions, please ask! If I have fully answered your question(s) to your satisfaction, I would appreciate you rating my service as OK, Good or Excellent (hopefully Good or Excellent). I thank you in advance for taking the time to provide me a positive rating!