Gather your documents. Settling a Capital One account after someone has passed away.Our goal is to make our processes clear so that you know what to expect. Use this letter when someone you know has died and they have left no assets or will behind. Contact us for advice before using this letter. Informal probate is the process for asking the court to appoint a personal representative for a decedent's estate without a hearing. Sample Letter – Asking for a debt write-off when someone is deceased. Generally, when the debtor passes away, their debts do not transfer to their heirs or family members. The debts fall to the estate and the probate process. You will need to provide a certified copy of the death certificate to close the account.