To close a bank account on behalf of someone who has passed away, you must have legal authority to manage the account. After someone dies, notify the government programs and businesses they used.Cancel benefits payments and close or transfer accounts. The first order of business in a letter of instruction is to outline the details that will help family, friends, and surviving spouses through the trying hours. Sample Letter – Asking for a debt write-off when someone is deceased. My mom recently passed away. KeyBank guides you through the process of settling a loved one's financial accounts after they die. Fill in your contact details, the account number and any extra information you want to include in the grey shaded areas. Get official copies of the Death certificates. If your spouse dies, you're generally not responsible for their debt, unless it's a shared debt, or you are responsible under state law.