[skinkermink]

My dear mom passed away 2 months ago leaving me, her son, executor of her will. She left me some life insurance money which I need to survive on because I am disabled with CFS and cannot work. I live in a house that she owned. She owned this old run down house and her 14 year old car, she left me both in her will.
She was married but did not share ownership with her husband on anything. Mom passed away with $18,000 in credit card debt. $3000 on one and $15000 on another, chase and citibank. If not for the house I live in having her name on it, I would not be concerned at all. But I can't lose the house and I can't really pay the debt. She had some money in the form of investment stuff, 401 and a few other things that do not amount to very much money. She left the 401 to her husband and the rest to me. Having cancer she also ran up many thousands of dollars in bills with 3 different hospitals. She had good insurance and it looks like most of the bills will be paid.
I called both card companies and told them she had passed away. I sent them death notices. Citibank has sent it to a collection agency and the other sent a letter addressed to her estate that seems in one part to say her estate is not responsible for the debt but then sort of indicates that they might go after it.
I am sending a letter to citibank explaining that she had very little money and that her house and car are old and in poor condition and that it would probably take more money to collect and resale them than the debt is worth.
Her will did not go to probate and her assets are less than $50,000. I just wonder what are smart moves on my part and what moves would make things worse for me. Should I deal with citibank or the collection agency? Which one has power to forgive the debt? I am very thankful for any advice anyone might have in this matter. This is in Indiana.

[paulpin205]

You should consult some professional assistance