My mother's lung cancer spread to her brain this spring, and after battling for several months, we have called in hospice and expect her to pass within days, maybe weeks.
One thing we have been struggling with throughout the past few months has been her credit card debt. She has upwards of 16k in credit card debt between regular cards and department store cards, and we have been making the minimim monthly payments while she is ill. My father is still alive and in good health, and we understand that if any of the cards are in both of their names, he is responsible for that debt.
Our confusion is about the cards that are only in her name. Does he assume the debt after she passes? We have considered bankrupty because she also has around 30k in medical bills between this recent reoccurence and her original lung cancer, and credit is not really a concern at this point.
I'm really looking for advice about what to do specifically with the credit cards that are only in her name. Should we stop covering the monthly minimums to show that we are no longer able to (my sister has burned through her savings, and she has run out)? Any advice? Thanks in advance. These are the last things we want to be thinking about when her time is so limited, but I also want to make sure we handle this in the best way possible to avoid headaches down the road. Thanks again.