Debt, Credit, and Financial Identity
What if debt collectors call me about their debts?
Short answer
You are not personally responsible for debts solely in their name unless you co-signed. You can tell collectors: "I am the surviving spouse. This debt was solely in the deceased's name. I am not personally responsible. Please direct any claims to the…
What this usually means
You are not personally responsible for debts solely in their name unless you co-signed. You can tell collectors: "I am the surviving spouse. This debt was solely in the deceased's name. I am not personally responsible. Please direct any claims to the estate." In California, aggressive or deceptive debt collection practices are prohibited — file a complaint with the CFPB if a collector misrepresents your liability.
What to do next
- Start the PathAfter checklist for situation-aware first steps.
- Find California county phone numbers for coroner, vital records, and local offices.
- Open the First 72 Hours Call Log before making calls.
- Open the Documents to Find Checklist when you are ready for paperwork.