my mother died we had an account at sears, my name was as authorized user, i had my own card, she was primary card holder am i responsable for this ?

UPDATED: Jun 3, 2009

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my mother died we had an account at sears, my name was as authorized user, i had my own card, she was primary card holder am i responsable for this ?

i have been told by several people i am not responsable even the lady on the phone at sears told me this, but it has been given to another company and i am not getting any where, on her other account somewhere else i was an authorized user and was not responsable for it after she died. do i have to pay this? if not how do i confront this company to get rid of this account/?????

Asked on June 3, 2009 under Business Law, Oklahoma


J.V., Member, New Jersey Bar / FreeAdvice Contributing Attorney

Answered 13 years ago | Contributor

The card was probably charged off and in possession of a collection agency or attorney at this point. If you were an authorized user but not a joint cardholder you should not run into a problem with liability

An authorized user is not liable for the card but a joint cardholder is so this is where the distinction comes into play

If you want to pursue having this closed you should contact whomever contacts your mother or you regarding this debt and explain the situation. You can also call a local attorney who handles collections they will be able to navigate for you and ensure the mater is handled properly

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