I have over $10,000 in debt (1 card), the card is under my fathers name and social security, my wife and I are secundary usuers, we are not US citizens and live outside the USA. My father past away in 2002 and we have continued to use the card and never missed a payment. All debt is ours not my fathers and we've never told the creditors he has passed away.

Due to medical reasons I can no longer pay de minimun amount, the only way the creditors can reach us is through regular mail and email the have no other information.

Basiclly I want to know what the consequences are if I stop paying.

Thanks in advance for your answers.

It depends on which country you live in. Most countries look poorly on debtors and will be happy to assist the credit card company recoup their money.

Visa, American Express, Master Card and Discover all do business in most countries...

Well Dincher, the other choice is for him to be arrested and prosecuted for credit card fraud so paying it is probably a better option. It IS his debt... and therefor he IS liable... but thanks for adding your horribly incorrect information,

Hello k:

Even though you were an authorized user, that authorization did not survive your fathers death... Therefore, in my view, if you STOP paying, you can be charged, not only civilly, but also criminally.

So, I'd keep paying, or they'll find out and you'll go to the pokey.

excon

But the real issue here is that if and when you tell them he died, they get copy of death certificate, so they will need to know who charged all the charges after his death.

They can hold you legally obligated for any charge after his death, since you decided to commit credit card fraud.

So the card company could
1. still sue you for the amount if they prove you made it after his death
2. file criminal charges for fraud.