Had a dream last night about haggling with a debt collector about paying my wife's bills. My Wife had considerable Credit Card Debt. It expired when she did. I did have to deal with some companies that pick up the debt and ask you to pay. I do know that only the Estate is liable for payment and if things are held jointly or left to one as a beneficiary then the Estate is not involved. I refused to talk to these collection people because they tape the encounter. I did advise them I would accept any correspondence. My letters stated: " I am her surviving spouse. There is no Estate. Please note that I am not personally liable for payment of the decedent's debts, nor am I assuming responsibility for them."
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