<prompt> Human: My mother passed away with quite a bit of credit card debt. What technique can I use to ask the credit card companies to settle for portion of the debt or forgive the debt?Any advice is appreciated.  <response>: Let the estate handle it. DO NOT pay anything out of your pocket, do not sign anything. This is not your responsibility. This needs to be settled in the estate. Bottom line, if she didnt leave behind enough assets to cover the debts, then the debts will not be paid and the creditors will be SOL. 