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Sample Letter to Creditors After Death

Taking care of a loved one's finances after a death can be a trying time. It is important, though, to notify creditors after a person's death that the deceased will no longer be able to pay certain debts.

In some cases, however, notifying creditors will not bring an end to debt disputes. If the passing of a loved one has left you with an overwhelming amount of debt, filing bankruptcy may allow you to solve your debt problems.

Before this step, of course, you may be more concerned simply notifying creditors.

Sending a Letter to Creditors After Death

Notifying creditors about a debtor's death is an important step in the process of taking care of the deceased's finances. The letter must contain enough information to allow the creditor to firmly determine the identity of the person who has passed away.

Thus, a letter to creditors after someone's death often includes:

  • The deceased's full name and address
  • The person's social security number
  • Date of birth and bank account number

Providing enough information about the deceased is the first step to a letter to creditors after a person's death. In addition to this information, the letter may:

  • State that the letter is a request that a formal notice of death be added to the file of the deceased.
  • Include a copy of the formal death certificate.
  • Include proof of the letter writer’s status as a surviving spouse or executor of the deceased’s estate.
  • Give contact information should the creditor have any further questions.

Providing this information helps the bank arrange its accounts, and also prevents future fraud by thieves who try to use the information of people who have recently passed away.

Of course, sending a letter may not solve people's debt problems if a recent death in the family has left them with more debt than they can handle.

In such a case, filing bankruptcy may help discharge some or all of the debts weighing a person down, including credit card bills, medical debt, and some personal loans.

Wondering if filing bankruptcy is right for you? Connect with a local bankruptcy attorney for a free conversation by filling out the case review form below.

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