Also you are supporting real news . <| sep |> Not unless you consented to being a joint holder at some point . The estate would be required to pay it but if there ' s no money in the estate , then there is nothing to pay it from . I would make it clear to the collection agency that you were not a joint holder and that they should not call you unless they can furnish proof that you are . If they continue calling , file a complaint with your state ' s consumer board <| sep |> Well that is a worst case scenario . I mean it could also be 5 evo vs 2 evo advantage to 1 st player . So the 1 st player gets initiative and way more evo points as well . I don ' t see the point of comparisons like this . It is 99 % of the time 3 vs 2 .