 TITLE: Can I Use My Spouse’s Credit Card After They Die? CONTENT: Where to Look for Financial Help After a Spouse's Death\n-------------------------------------------------------\nThe death of your spouse could leave you in financial straits, especially if your deceased partner was the primary breadwinner, managed all your finances, or had debt you didn't know about until they passed away. If you're having trouble paying your bills or are struggling with more debt than you can handle, credit counseling can help.\nCertified credit counselors help individuals learn how to pay down debt and gain control of their finances. They typically work for nonprofit organizations and services and offer their services free or for a small fee. Your credit counselor will meet with you to discuss your financial concerns and help you develop a plan for getting your debt under control.\nTo ensure you're working with a reputable credit counseling agency, start your search with the National Foundation for Credit Counseling, Financial Counseling Association of America or the U.S. Department of Justice website, where you can find lists of approved credit counselors by state.\nCredit card companies and debt collectors cannot require you to pay your deceased spouse's credit card debts if you're not legally responsible. Although they may contact you to ask questions, they shouldn't harass or threaten you. If you're being bothered by credit card companies or debt collectors, you should file a complaint with the Consumer Financial Protection Bureau and report the calls to the attorney general in your state.\nIf you're not sure whether you're liable for the debts and collection agencies continue to call, you may want to consult a lawyer with experience in estate law. If that's beyond your budget, look for local legal aid offices that can provide low- or no-cost services. You may also qualify for financial assistance that could help with housing, food, household goods and more. END