SouthEndZoner
Registered
Hi Everyone- I haven't posted on ASFN in along time and I've NEVER posted on this particular forum, but I have some questions in case anyone else has gone through anything similar to what we are going through.
Here is where I'm at- My wife passed away about a month ago. We'd been married for 5 and 1/2 years. We have a 14 month old son. Well, like most young couples, we are/were drowning in debt. I closed all of her credit cards and found out that she had even more debt than I had known.
Now the credit card companies have begun to send me some intimidating letters. Coincidentally, my wife worked for Chase and spoke to me about this process not that long ago. She explained to me that if the deceased didn't leave money, or a way to pay these debts, it has to be forgiven.
The rest of my situation goes like this- I bought my house (completely in my name) before we got married. She didn' leave anything of any kind of monetary value. Our car is in both of our names, but that's it. If I had the money, I'd pay them. But I don't have anything.
There is supposed to be a life insurance check coming our way, but it wouldn't even come close to paying all of her debt and paying down some of mine so that my son and I can have shot at even keeping our house and affording the mortgage with just my paycheck. Should I hire a lawyer and if so are there any recommendations. If anyone has gone through this, PLEASE email me or reply to this post. This is getting kind of scary and I really don't need this at this time. If it wasn't for my son, I think I'd be suicidal by now.
Here is where I'm at- My wife passed away about a month ago. We'd been married for 5 and 1/2 years. We have a 14 month old son. Well, like most young couples, we are/were drowning in debt. I closed all of her credit cards and found out that she had even more debt than I had known.
Now the credit card companies have begun to send me some intimidating letters. Coincidentally, my wife worked for Chase and spoke to me about this process not that long ago. She explained to me that if the deceased didn't leave money, or a way to pay these debts, it has to be forgiven.
The rest of my situation goes like this- I bought my house (completely in my name) before we got married. She didn' leave anything of any kind of monetary value. Our car is in both of our names, but that's it. If I had the money, I'd pay them. But I don't have anything.
There is supposed to be a life insurance check coming our way, but it wouldn't even come close to paying all of her debt and paying down some of mine so that my son and I can have shot at even keeping our house and affording the mortgage with just my paycheck. Should I hire a lawyer and if so are there any recommendations. If anyone has gone through this, PLEASE email me or reply to this post. This is getting kind of scary and I really don't need this at this time. If it wasn't for my son, I think I'd be suicidal by now.