<prompt> Human: Just like the title says my sister lost her husband to a vehicle accident. She is lost on what to do . He had a few credit cards with debt. Is she responsible for this debt considering she is the beneficiary to him . There is no will , They have a little bit of savings and shell be getting a small lump some payment from his union job . Cant you just call and cancel his cards or does she have to pay the money back ? She is not a authorized user or Account holder . He is also on the auto loan for the car that she drives . Does she need to find a probate lawyer and declare an executor or can she just handle everything on her own by using his Death certificate?All the advice in the world would be appreciatedEDIT: US and Lives in Maryland  <response>: Is she responsible for this debt considering she is the beneficiary to him .assuming you live in the US or a place with similar laws, NO, absolutely she is NOT.This doesnt mean that some unscrupulous creditors wont try and pretend she is, though.On the other hand, his estate IS liable. Meaning that the creditors have a right to any assets in his name left before she inherits them. The union payout is likely a survivors benefit and they cant touch that.as far as whether or not she has to go through probate, that varies by state. For instance in my state, for a widow, the answer is still yes. One state over, for widows, just a death certificate will do. 