Few think about death and the deceased credit card debt of a relative or friend without someone at the top of the situation and immediately inform the family about what to do and not do or the money will be lost and any heirs summer .
State laws vary in the amount of land is managed so that the best course of action long after the death of a holder of a credit card is to use the federal law, including the Fair Debt Collection PracticesTo remove the debit card as a person who would live with some minor differences.
undertakers to notify the Social Security Administration death of people, helping to create the file of death certificates and obituaries of public records. Absolutely not want to send the information to a credit card company yet.
The delivery of death certificates for the credit card companies or collectors only makes them salivate when they think of eating a legacy for not sendingcertificates to the creditors. If the credit card companies or debt collectors call, you can honestly say that the person is not here and offer to take a message. Do not give any information on any phone.
Keep the card company or collection in the dark for as long as possible. This will give the executor or responsible for maintaining the time to organize. As soon as possible after the burial of the dead needs are met, the executor should immediatelycollect all information on credit card accounts and physically destroy the plastic credit cards. The use of a credit card after death is a fraud.
Now you can send a letter by certified mail with return receipt to the card company or collection agency notifying them that represent the heritage of the dead and ask for verification of the debt allegedly owed by the estate that is captured , total surprise.
The card company or the receiver can send your old account billingstatements that show absolutely nothing. If you have a collection of first-class units can not actually submit an affidavit from a person saying the statement is true that the basis for filing a lawsuit against the collection company in the hope of obtaining the right Required retention properties.
As executor you go to the county courthouse and file a sworn denial on behalf of the property, which will be presented to the court and a copysent to the card company or the receiver. This will require a living witness who has had personal knowledge of the deceased has to be done to any legal process.
The sworn denial is simply a statement denying the debt, if there is a debt that is not owned debt if the debt is owned, then it is the right amount. The card company will not be able to produce this witness what his chances of winning a lawsuit against the sentence orproperty is lost.
Although this information may seem a bit "sad, when you need to know about death and credit card balances or credit card companies and collectors will have a large part or all of the property and all the heirs were near them.
Not only does this process can be used by the property, is also the best way to surviving spouses or other died on the credit card account, to reject any application or card companies could Collectibleshave.
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