Can debt collectors go after next of kin?

No, when someone dies owing a debt, the debt does not go away. Generally, the deceased person's estate is responsible for paying any unpaid debts.

Santa Clara California Letter to Creditor, Collection Agencies, Credit Issuer or Utility Company Notifying Them of Death

Name: Santa Clara California Letter to Creditor, Collection Agencies, Credit Issuer or Utility Company Notifying Them of Death
Brand: US Legal Forms
Rating: 4.74 (373 reviews)

Category:

Criminal - Identity Theft

State:

Multi-State

County:

Santa Clara

Control #:

US-00734-LTR

Format:

Instant download

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Description

This Letter to Creditor, Collection Agencies, Credit Issuer or Utility Company Notifying Them of Death is used to notify creditors, collection agencies, credit issuers or utility companies of an individual's death and that the deceased individual has become the victim of identity theft. It is used to request an investigation of the fraudulent activities and to request letters of clearance when the investigation is complete.

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How to fill out Santa Clara California Letter To Creditor, Collection Agencies, Credit Issuer Or Utility Company Notifying Them Of Death?

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FAQ

What debt is forgiven when you die? Most debts have to be paid through your estate in the event of death. However, federal student loan debts and some private student loan debts may be forgiven if the primary borrower dies.

It's possible to negotiate the credit card debt of a deceased person if you're legally responsible for paying the debt. That means you must be the executor or the administrator of the estate, a cosigner or joint account holder on the credit card, or a surviving spouse in a community property state.

Being a personal representative means you can use estate assets to settle your loved one's debts, after making payments to survivors according to state law. Generally, no one else is required to pay the debts of someone who died, unless it is a shared debt.

Mortgage loans when you die However, a mortgage loan is not forgiven when you pass away and it will need to be paid. Your spouse or the person that inherits your house will typically have the option to take over mortgage payments when you pass away.

For instance, "(Deceased) has passed away leaving no assets behind. I apologize for the inconvenience, but there is no money or assets to liquidate to pay this debt. Please do not contact me in regard to this matter; I am not responsible for this debt because (give reason)."

What Types of Debt Can Be Discharged Upon Death?Secured Debt. If the deceased died with a mortgage on her home, whoever winds up with the house is responsible for the debt.Unsecured Debt. Any unsecured debt, such as a credit card, has to be paid only if there are enough assets in the estate.Student Loans.Taxes.

Inform the creditor that the deceased passed away; reference the prior call you made. Ask the creditor to place a formal death notice on the deceased credit file and to close the account. Provide information about the decedent, such as his full name, address, Social Security number, birth date and account number.

No, when someone dies owing a debt, the debt does not go away. Generally, the deceased person's estate is responsible for paying any unpaid debts.

Collectors can discuss the debt with the deceased person's spouse, parent (if the deceased was a minor child), guardian, executor or administrator, or any other person authorized to pay debts with assets from the estate. The debt collector may not talk to anyone else about these debts.

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Santa Clara California Letter to Creditor, Collection Agencies, Credit Issuer or Utility Company Notifying Them of Death

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What debts are forgiven at death?

Will creditors negotiate after death?

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What types of debt can be discharged upon death?

How do I write a letter to creditors of a deceased person?

Can debt collectors go after next of kin?

Can debt collectors come after family after death?

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