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Credit card debt liability following a death

rhiannnalan
rhiannnalan Posts: 3 Newbie
in Credit cards
Hi, I am new to this and hope my question is not inappropriate.

Following a cancer diagnosis, I am keen to know if my husband will be liable to pay off my credit card debts if I am unable to clear the cards in time. Total debt over 2 cards is £6000

I have no savings, but our house is in joint names and the mortgage is nearly paid off.

Many thanks

Comments

  • Torry_Quine
    Torry_Quine Posts: 18,884 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    If the debts are entirely in your name then he is not liable.

    Sorry to hear your news, hope it isn't as bad as you think.
    Lost my soulmate so life is empty.

    I can bear pain myself, he said softly, but I couldna bear yours. That would take more strength than I have -
    Diana Gabaldon, Outlander
  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Is your house held as joint tenants or tenants in common.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • redpete
    redpete Posts: 4,738 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    the debt is owed by the estate of the deceased - and should be paid before the estate passes on to the beneficiaries. Worth getting proper advice on wills etc. to make sure you are both financially protected.

    (sorry to write it rather impersonally - hope it works out OK)
    loose does not rhyme with choose but lose does and is the word you meant to write.
  • chattychappy
    chattychappy Posts: 7,302 Forumite
    McKneff wrote: »
    Is your house held as joint tenants or tenants in common.

    Either way, the house could be used to pay the debts.

    If TIC, then the share goes into the estate. If JT, then it passes by survivorship directly to the OP's husband but creditors could apply for a court order. This would seem unlikely given the amount, but knowing this they might nevertheless ask the husband to pay.

    Best of luck to the OP.
  • rhiannnalan
    rhiannnalan Posts: 3 Newbie
    Than you to all who have replied, you have allbeen very helpful
This discussion has been closed.
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