Credit card debt is an example of individual debt. Many people think that when you die, your credit card debts are automatically written off, however this is a common misconception. The truth is that any individual debts left behind when someone dies must be paid by that person’s Estate. This means that any money or assets that the deceased may have left behind will be used to pay off their debts. If the deceased left nothing behind, then their debt will be written off.
In most cases this means that you will not be responsible for your deceased partner’s credit card debt. However, there are exceptions to this:
If you are the executor or Personal Representative to your partner after they die, then there are a number of things to consider:
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