Am I responsible for my deceased husband's credit card debt?
He passed on 1-31-10 and I was an authorized user of these accounts although I never signed a contract and they do not have my SSN. Can they make me pay for these? He had no estate I only have a small insurance check.
I am so sorry for your loss. Generally, the estate of a decedent is responsible for his or her debts. Credit card debt is the responsibility of the person who opened the account and signed the credit card agreement. If you were only an authorized used then you are not responsible for the debt unless the card company wants to go through the trouble of trying to prove that the purchases were yours or for your benefit. When they call ask them to send you a copy of the agreement you signed. That should shut them up. If it does not, research the Fair Debt Collection Practices Act. I would also consider checking with your state Attorney General's office as to the issue of spousal credit card debt as state laws can vary.
Also, the insurance proceeds, if they come directly to you through a properly executed designation of benficiary form, are your alons. If they are paid to the estate then you may have a problem. Good luck.