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Old 09-13-17, 10:53 AM   #1
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Deceased people's medical bills,CC debt,etc.?

I am pretty sure this was asked before but I still would like to know some answers.

If you are single and pass away and have a lot of medical bills and CC debt,does that all disappear or can they go after the deceased person's property,etc?

If you are married and pass away what happens to medical bills and CC debt? If the CC was in the deceased person's name does the debt get wiped clean? What happens on joint accounts, is the living spouse still responsible for everything because his or her name is still on the account?

My mom passed away over 33 years ago and my dad still paid all the unpaid medical bills and I kept telling him that wasn't his responsibility(but wasn't 100 percent sure on that).
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Old 09-13-17, 11:03 AM   #2
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Re: Deceased people's medical bills,CC debt,etc.?

https://www.consumer.ftc.gov/article...ased-relatives
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Old 09-13-17, 04:34 PM   #3
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Re: Deceased people's medical bills,CC debt,etc.?

Love the wording... "does all that disappear". Yes. You pass away with $30K in credit card debt and $35K in assets. The credit card debt just magically disappears.
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Old 09-13-17, 07:55 PM   #4
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Re: Deceased people's medical bills,CC debt,etc.?

Quote:
Originally Posted by dvd-4-life View Post
I am pretty sure this was asked before but I still would like to know some answers.

If you are single and pass away and have a lot of medical bills and CC debt,does that all disappear or can they go after the deceased person's property,etc?

If you are married and pass away what happens to medical bills and CC debt? If the CC was in the deceased person's name does the debt get wiped clean? What happens on joint accounts, is the living spouse still responsible for everything because his or her name is still on the account?

My mom passed away over 33 years ago and my dad still paid all the unpaid medical bills and I kept telling him that wasn't his responsibility(but wasn't 100 percent sure on that).
The estate has to pay all its bills before anyone inherits anything (assuming there are actually assets).

If it is a joint obligation (like a crdeit card in both names) the stuckee is stuck.
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Old 09-13-17, 08:06 PM   #5
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Re: Deceased people's medical bills,CC debt,etc.?

This is why you put everything in a trust. No estate, no probate, no debt inherited.
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Old 09-13-17, 08:41 PM   #6
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Re: Deceased people's medical bills,CC debt,etc.?

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Originally Posted by OldDude View Post
The estate has to pay all its bills before anyone inherits anything (assuming there are actually assets).

If it is a joint obligation (like a crdeit card in both names) the stuckee is stuck.
There are notable exceptions, like the proceeds from an insurance policy.
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Old 09-13-17, 08:50 PM   #7
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Re: Deceased people's medical bills,CC debt,etc.?

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Originally Posted by OldDude View Post
The estate has to pay all its bills before anyone inherits anything (assuming there are actually assets).

If it is a joint obligation (like a crdeit card in both names) the stuckee is stuck.
What about people who lived together(not married)?

At what time are they considered married(does it vary from state to state)?
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Old 09-13-17, 09:55 PM   #8
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Re: Deceased people's medical bills,CC debt,etc.?

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Originally Posted by dvd-4-life View Post
What about people who lived together(not married)?

At what time are they considered married(does it vary from state to state)?
I've never researched this to any great extent, but there is something called "common law" marriage, i.e. a couple who have lived together for a long period of time, but never got legally married. I have no idea what the rules are for this, however - as you said, I'm sure it varies from state to state.
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Old 09-13-17, 10:42 PM   #9
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Re: Deceased people's medical bills,CC debt,etc.?

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Originally Posted by dvd-4-life View Post
If you are single and pass away and have a lot of medical bills and CC debt,does that all disappear or can they go after the deceased person's property,etc?
I think you have bigger worries at that point.

Quote:
Originally Posted by dvd-4-life View Post
What about people who lived together(not married)?

At what time are they considered married(does it vary from state to state)?
Common-law marriage varies from state to state. Illinois has no such thing.
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Old 09-14-17, 02:27 AM   #10
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Re: Deceased people's medical bills,CC debt,etc.?

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Originally Posted by Groucho View Post
This is why you put everything in a trust. No estate, no probate, no debt inherited.
Trusts can be revoked by courts... and they come with their own set of issues.

There's also this little concept called "in anticipation of need" which is used to go after assets (even protected ones like trusts, etc.) to offset medical expenses.
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Old 09-19-17, 02:45 PM   #11
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Re: Deceased people's medical bills,CC debt,etc.?

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Originally Posted by OldDude View Post
If it is a joint obligation (like a crdeit card in both names) the stuckee is stuck.
Just wondering, if it is a joint CC, can the survivor file a claim against the estate for half of the associated debt? It seems like that is a legitimate obligation of the estate.
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