As you were a co-user on the card, you are legally obliged to pay off the credit card bills.
Mon, 05/21/2012 - 11:41
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?
The contents of this web site are not intended to establish an attorney-client relationship, provide the reader with legal advice, or substitute for legal advice from an attorney.
The debt settlement program typically lasts between 6 months to 4 years time.
At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
Savings a customer realizes from use of a debt-relief service may be taxable income.
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