Am I Liable for the Debts of a Deceased Spouse Solely Because of Marriage?

Posted by Kevin Ryan | Feb 11, 2017 | 0 Comments

Many times I will receive a phone call from a widow or widower asking whether they are legally responsible for the debts of the deceased spouse.  Often times, these debts are medical debts related to a last illness. Collection firms will often contact the surviving spouse and inform the surviving spouse that they are responsible for these medical debts.  

In every case, basic contract law controls.   If you as the surviving spouse did not sign an actual agreement making you responsible for the debt, you are not liable for it.   If the collection agent persists with taking the position that you are responsible for a debt that you do not owe, you can instruct them by letter to contact your attorney.  Your attorney can in turn in form the collector that (1) you are not liable for the debt, and (2) that their actions may violate the Fair Debt Collection Practices Act ( by making a false representation as to the legal status of the debt:  that you are liable when in reality you are not.  

If you have questions on whether you are liable for a debt, please contact Mobile, Alabama bankruptcy attorney Kevin M. Ryan for a free telephone or office consultation.   Bankruptcy offices are located in Mobile, Alabama (209 N. Joachim Street, Mobile, Alabama 36603)  and in Robertsdale, Alabama (22011 Highway 59, Robertsdale, Alabama 36567).   (251) 431-6012.  

About the Author

Kevin Ryan

"I'll never be the kind of attorney your creditors want me to be. I'll always be the kind of attorney you NEED me to be. Call me. I'll BE there for you. And I'll make them go away."  -Kevin Ryan, Attorney at Law Kevin Ryan is a graduate of the College of Wooster and the Cleveland Marshall College of Law. He is admitted to practice before all Alabama State Courts, the United States District Court for the Southern District of Alabama, and the United States Bankruptcy Court for the Southern District of Alabama. The United States Bankruptcy Court is a part of the United States District Court. Since 1998, Mr. Ryan has represented thousands of individual clients in bankruptcy, criminal, divorce, probate, personal injury, and real estate matters.  Attorney Ryan is also a licensed real estate agent in Alabama.  He handles  Bank-owned properties, short sales, and conventional sales in addition to conventional real estate listings.   This wide range of experience enables Attorney Ryan to take a wider look at your legal matter. It is important to consult with an attorney who can see from experience how other legal issues may affect your situation, and advise you accordingly. Personal Info Kevin Ryan is a member of First Baptist Church in Silverhill, Alabama. He resides in Silverhill with his wife Jessica and their three children. Committed to helping our Clients achieve a fresh financial start Our practice focuses primarily on consumer bankruptcy matters under Chapter 7 and Chapter 13 of the United States Bankruptcy Code.  Our law practice also includes matters where bankruptcy litigation, appellate work, or involvement in civil lawsuits is needed by a client.     No representation is made that the quality of any of these legal services is of higher quality than another attorney or law firm.   The United States Bankruptcy Code requires the following notice:  We are a Debt Relief Agency, which means we help people get legal relief from their Debts through the bankruptcy process. Interested in learning more about our bankruptcy attorney near Mobile, Alabama? Contact Us for help with chapter 7 bankruptcy or chapter 13 bankruptcy in Mobile, Baldwin and Washington counties. Education Juris Doctor, Cleveland Marshall College of Law, 1997 Employed full time as a paralegal while attending law school in the evenings. B.A., The College of Wooster, 1994 NCAA Div.III All Conference (N.C.A.C.) Football Team : Defense 1993; Most Inspirational Senior Award 1993; Co-captain 1993; Letterman 1991-1993; Phi Sigma Alapha Fraternity 1991-1994; Athletic Director Jurisdictions Admitted to Practice Alabama

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We serve the following localities: Choctaw county, Washington county, Clarke county, Monroe county, Escambia county, Mobile County including Eight Mile, Grand Bay, Irvington, Mobile, Prichard, Saraland, Semmes, Theodore, and Tillmans Corner; and Baldwin County including Bay Minette, Daphne, Fairhope, Foley, and Robertsdale.

I'll BE there for you.

I'll never be the kind of attorney your creditors want me to be. I'll always be the kind of attorney you NEED me to be. Call me. I'll BE there for you. - Kevin Ryan, Attorney at Law

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