Identify whose name the debt is in
Do not pay from your own money unless you are legally responsible
Notify the lender, credit card issuer, or debt collector of the death
Provide a copy of the death certificate if requested
Stop automatic payments from the deceased person’s accounts
Check whether the debt is secured, joint, or individual
Determine whether you are a co-signer or joint account holder
Review the estate’s assets and debts
Use estate assets to pay valid debts if required by law
Follow the probate process if the estate goes through probate
Check state laws on estate debt and spousal responsibility
Know that family members usually are not personally responsible for most debts
Verify all debt claims before paying anything
Ask for written validation of any debt collection request
Keep records of all communications and documents
Consult a probate attorney or estate attorney if needed
Contact a financial advisor or executor if you are managing the estate
Report improper collection attempts to the appropriate authorities
Close or freeze accounts as needed to prevent fraud
Monitor the deceased person’s credit reports for unauthorized activity