My husband had 3 different types of BOA credit cards. He passed away on August 2011 with huge balances on each card. Because of poor financial condition I decided to cease making payments at that time. Recently, a collection agency has started calling me and literally threatening me to pay off the debts. I’m clueless what should be done. Can they really demand payments from me? Please let me know what is my responsibility? What should I do now?