Do I have to pay my deceased mom's credit card debt?
As a surviving spouse, you are generally not required to pay your husband's credit card debt from your own personal money. Debt incurred by an individual is paid from their estate, which includes the money and property they owned at the time of their death. If the estate lacks the assets to cover the bill, the debt typically goes unpaid. You only become personally responsible if you were a joint account holder or a co-signer on the credit card account. This status is distinct from being an "authorized user," which does not typically make you liable for the balance. Another important consideration is the state in which you live; in community property states, surviving spouses may be required to use jointly-held property to pay certain debts of a deceased spouse. If you are serving as the executor of the estate, your role is to settle debts using the assets within that estate, but you are not obligated to use your personal funds to satisfy the balance unless specific legal exceptions or joint account agreements apply.
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