AI Legalese Decoder: Helping Navigate Credit Card Debt After the Death of a Spouse
- May 19, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Dealing with Credit Card Debt after the Loss of a Loved One
### Background:
Two months ago, my wife passed away and only left behind a small amount in her bank account, totaling around 2.5k. I covered the funeral expenses using my own funds.
### Current Situation:
A credit card company is now demanding £4.5k from my late wife’s estate, which is practically non-existent as I plan to close her bank account and transfer the remaining balance to myself.
### Legal Question:
Despite my intentions to use the 2.5k towards the funeral expenses, does the credit card company have any right to claim this amount from my wife’s estate?
#### How AI Legalese Decoder Can Help:
The AI Legalese Decoder can assist in clarifying the legal implications of the credit card company’s claim on the 2.5k in your late wife’s bank account. By analyzing the relevant laws and statutes, it can provide guidance on how to navigate this situation and determine the best course of action to protect your late wife’s estate.
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I would contact them and tell them she died with less in her bank than the cost of the funeral.
Send them a copy of her bank statement and a scan of the undertaker’s receipt.
They’ll probably leave you alone after that.
Sorry for your loss.
Pretty sure they have a “claim”. As to where they are in the line of creditors and if there will be anything for them TO claim…
From memory, I think the funeral bill takes priority. Then other debts come behind it.
https://www.moneyhelper.org.uk/en/family-and-care/death-and-bereavement/dealing-with-the-debts-of-someone-who-has-died#:~:text=If%20there%20isn't%20enough,will%20usually%20die%20with%20them.
This should help, and I’m sorry for your loss.
Don’t let them bully you, tell them to jog on until you’ve got your affairs in order.
Just make sure the money in her account is all she has – if she owned assets like a car in her name they would still count. The value of the car is part of the estate.
I’m sorry to hear of your loss. Have you checked if you are eligible for bereavement support payment?
https://www.gov.uk/browse/benefits/bereavement
OP you don’t mention where you live. Do you own your house (with or without a mortgage)? Was her name on the title too? Any joint savings, bank accounts etc?
I’m sorry for your loss.
Hi /u/spangort, based on your post the following pages from our wiki may be relevant:
* https://ukpersonal.finance/credit-cards/
* https://ukpersonal.finance/debt/
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