Sample Letter – Asking for a debt write-off when someone is deceased. After the death, notify the close family and friends of the passing.You will need to provide a certified copy of the death certificate to close the account. Step 3: Figure out who is legally responsible for any credit card debt. However, to officially close the account, it's smart to follow up in writing. Send a copy of the probate judgment along with a form letter saying "neither I nor the estate owe you anything; stop contacting us immediately.". The bank may require a certified death certificate in order to close the account and distribute the funds. What do I need to close a bank account for a deceased person? It will be paid out of the estate. Are credit cards accepted for payment at facilities?