Tell them your loved one is dead and that they will need to wait until an administrator or executor is appointed.  Do not agree to anything or sign anything with the creditor until you have discussed it with an attorney.  Many credit card companies attempt have the surviving spouse agree to take over the card (making it sound like they are doing the spouse a favor), and this often is a bad idea.  Texas law provides protection and benefits for surviving spouses and children.  You should discuss these with your attorney.

Last updated on January 6, 2011 by Glenn Karisch