First, regardless of when you lost your loved one, our condolences for your loss. It is certainly unpleasant to receive a notice of money owed when you are grieving. As to the question, if you are a co-owner or co-signer on the account, yes, you are liable, but just like any other account, we will work with you to make the process as painless as possible. If you are NOT a co-owner or co-signer, although we may have some legal rights to pursue collection against the estate, we do not. This is an example of how we differ from a collection agency or what you may be used to from anyone contacting you about money you or a loved one owes. The process is very simple. You can call, email or mail us to advise that your loved one is no longer with us. We will need to verify some information, which you can include in your written communication or when you speak to us. Please provide as much of the following information as possible. Thanks to technology, we can often, but not always, verify this information without you needing to provide a Death Certificate. It’s good to have the following information handy, but you may not need all of it. Once we validate the information, we will send a written notice “TO THE FAMILY OF” stating that the debt has been zeroed out and to confirm that no future attempts will be made to collect the debt.

Full name as it appears on the notice
Legal name if different in any way
Account Number on the notice
Date of Birth
Date of Death
Last 4 digits of Social Security Number – This is enough information to allow us to verify this information online without needing you to send a copy of a Death Certificate. The only reasons we will reach out again about this account is 1) to confirm we have verified the information and closed out the account and/or 2) to ask for a copy of the Death Certificate if we cannot verify it online.  We appreciate your cooperation in this matter and want to be out of your hair as quickly as possible.