Is another person responsible for credit card debt after death if there is life insurance involved?

Answer

If the issue is life insurance on the card holder, that is irrelevant, as that would belong to the beneficiary named on the policy. If it is life insurance that was purchased to pay off the account in case of the death of the account holder then it should pay as prescribed, after proper documentation has been presented. In a case where a person dies and they are the only one who was the account holder, no one else is responsible for the debt. The state probate court will handle the deceased's estate and decide how assets (if any) are distributed and debts are paid. The exception would be, if the deceased was married and the couple lived in a community property state. The surviving spouse would then be responsbile for the repayment of any debt(s).

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