As you were a co-user on the card, you are legally obliged to pay off the credit card bills.

My husband passed away 6 months ago and left me with some credit card debt and a mortgage, which is in our name. My husband was the primary cardholder and I was a co-user on the card. The debt has now gone for collection and the collection agency is asking about our estate. Even, I found that his debt is now in my credit report. Is it illegal? Why should it appear in my credit report? How can I remove this from my credit report?

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As you were a co-user on the card, you are legally obliged to pay off the credit card bills.

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If you have been benefited from the card in past, it may be legal for them to do so. But chances are there that they will find it hard to prove.


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