UK Credit Card Debt After Spouse Dies: Do You Have to Pay?

Stop Debt Collectors UK Credit Card Debt After Spouse Dies: Do You Have to Pay?

UK Credit Card Debt After Spouse Dies: Do You Have to Pay?

Experiencing the loss of a spouse is one of the most difficult times in life. In addition to the emotional turmoil you're dealing with, there are also many practical matters that need to be resolved, especially those relating to money. If you're dealing with credit card debt after the death of your spouse, DoNotPay can help you resolve it. 

It's important to know your rights regarding credit card debt. If you're being harassed by creditors, you don't have to just put up with it and you don't have to deal with it alone. This article will explain how credit card debt in the deceased name can be handled, and how DoNotPay can help.

Am I Responsible for My Deceased Spouse's Debts?

The responsibility for paying back debts depends on the type that is owed. While joint debts, such as a loan taken out in multiple names, can be passed onto the surviving person, individual debts work differently. Credit cards are a type of individual debt. In the UK, credit cards can only list one primary cardholder, and this is the person who is ultimately responsible for paying off any debt that the card accrued.

What if I Was Listed as an Additional Cardholder?

If you were listed as an additional cardholder on your spouse's credit card, you would still not be responsible for paying back any of the outstanding debt on that card. Only the primary cardholder is responsible for paying back this money.

Are Credit Card Debts Automatically Written Off After the Cardholder's Death?

No, credit card debts are not automatically written off. They become a liability on the estate of the deceased. This means that money from the deceased's estate must be used to pay back the debt. This must occur before any money can be distributed to beneficiaries.

What if My Spouse's Estate Doesn't Have Enough Funds to Cover Their Credit Card Debt?

After your spouse dies, you will need to come up with a list of all debts they had as an individual as well as jointly. These debts should be paid back in a specific order. It's generally recommended to focus on secured debts, such as a mortgage, before turning your attention to unsecured debts like credit cards.

If there is not enough money to pay off your spouse's credit card debt, the estate will be declared insolvent. After this happens it's possible to have the credit card debt written off.

What Should I Do if Creditors Are Pursuing Me about My Spouse's Credit Card Debt?

Unfortunately, creditors can be quite persistent about debts that are owed. You should know that unfair debt collection practices are a violation of your rights.

What Does Debt Collection Harassment Look Like?

You can be harassed by debt collectors when you are:

  • Being contacted via social media
  • Receiving legal threats or verbal threats
  • Contacting you multiple times per day
  • Having a creditor visit your home or enter your property

If you're being harassed by creditors, there are steps you can take:

  1. Collect evidence of the harassment. This can mean obtaining records of phone calls you've received, making copies of messages sent to you via social media, collecting witness statements, and other similar records.
  2. Contact the creditor and ask them to stop. Get in touch by writing a letter to the creditor and ask that they only contact you in the future through writing.
  3. Escalate your complaint to a professional body: If your letter is unsuccessful, get in touch with the Citizens Advice consumer helpline.

How to Get Debt Help with DoNotPay

If creditors are harassing you for unpaid debts, we can help you determine if their actions are compliant with debt collection laws or not. After answering just a few quick questions, we can show you what course of action you should take and will even contact the debt collectors on your behalf with a demand letter. If you would like to report the debt collector to the appropriate governing body, we can file that on your behalf as well.

Here are the simple steps for handling this process with DoNotPay:

  1. Search "debt collection" on DoNotPay.

     

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

     

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

     

DoNotPay can also help you with debt collection issues from the following:

Provident Loans RefundAmigo Loans Refund
DWP Debt ManagementCabot Financial Debt Collectors
Marston Group HoldingsAdvantis Debt Collection
Lowell FinancialMoorcroft Debt Recovery

What Else Can DoNotPay Do?

Ensuring you have peace from creditors is just one of many things DoNotPay does. We resolve all kinds of frustrating situations quickly and easily, such as:

You don't have to put up with harassment from creditors. If debt collectors are violating your rights, let us resolve the situation on your behalf. Our products are fast and easy to use and designed with convenience in mind. Try DoNotPay today!

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