Is spouse responsible for credit card debt in Michigan?
Jackson Reed
Updated on February 09, 2026
As Michigan is not a community property state, if a loan or credit card was held only in the name of the deceased spouse, the surviving spouse is not responsible for the debt. After the passing of a loved one, know your rights regarding their debts.
What happens to credit card debt when you die in Michigan?
Under the laws of the State of Michigan, the only time another person, including a spouse, is required to pay the debt, is if the debt was a joint obligation, or if someone co-signed the debt. If the debt was solely in the name of the deceased, no one else can be made to make payment of the debt.
What do you do with credit card when spouse dies?
Next Steps After a Cardholder Dies
- Stop using their credit cards, even if you are an authorized user.
- Notify the credit card companies of the death.
- Notify the credit bureaus of the death.
- Review your spouse’s credit report.
- Pay any bills for which you are responsible.
Is spouse responsible for mortgage debt?
In California, each spouse or partner owns one-half of the community property. And, each spouse or partner is responsible for one-half of the debt. Community property and community debts are usually divided equally. You may have more community property than you realize.
Can a surviving spouse pay off a credit card?
As a surviving spouse, you are not responsible for the payment of these accounts and many credit card companies will write off the debt owed to them. Be aware that in community property states, credit card accounts opened by either spouse may be considered joint accounts.
Who is responsible for a deceased spouse’s credit card debt?
As Michigan is not a community property state, if a loan or credit card was held only in the name of the deceased spouse, the surviving spouse is not responsible for the debt.
Who is responsible for credit card debt in Michigan?
As Michigan is not a community property state, if a loan or credit card was held only in the name of the deceased spouse, the surviving spouse is not responsible for the debt. In addition, if you are listed as an authorized user or second account holder on the accounts of the deceased,…
What should I do about my spouses credit card?
Community property states include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin. If you live in these states and have questions about the payment responsibilities regarding your spouse’s credit card accounts, contact an attorney.
