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Eldercare
Reply to "Elderly mom's credit card"
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[quote=Anonymous]1) funeral costs and executor costs are preferred expenses vs creditors. 2) payable on death or transfer on death or joint accounts all transfer outside of probate and are not actually part of the estate that creditors can go after 3) credit card debt is not inheritable, it is non-secured debt. it's not legal to garnish social security for credit card debt. she can stop paying now, the bank may call a lot but it will be written off. 4) direct cremation usually costs around $1300-$2000, depending on where folks live. There is no need to pre-pay for funerary arrangements UNLESS one is trying to spend-down for medicaid eligibility. [/quote]
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