My father is deceased and had a loan on an automobile. We returned the automobile to chase along with a death certificate. They continue mindlessly billing my father despite me contacting them with my name. How long is a deceased person responsible to pay for a bill in New York state? And how come they aren’t addressing me? Why should I open mail addressed to a dead person?
to further clarify, he had no ‘estate’. i was joint on his bank account so all his money became mine also before he even died. he had no posessions of worth either, did not own a home etc. so all his money is now in my posession. there is not even an executor of estate.
We were also told by Chase that if we voluntarily surrendered the vehicle (which we did) that chase ‘usually’ does not ask the estate to pay any difference after they sell the car.
He has also been dead for nearly five months. Hence my frustration. I go out of my way to provide my name and a death certificate, and they don’t even mail me with a single word! They don’t even say "thanks for contacting us, here is your responsibility" just continued monthly bills to my Dad.
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{ 9 comments… read them below or add one }
It is a felony to open any mail that is not addressed to you. You have done your part in letting Chase know your father (may he rest in peace) has past on, is deceased, has died.
You have sent them copies of his death certificate, you returned the vehicle, like you said you did everything in your power to let them know he has died.
In the statement from CHASE, there is an address. I would first find to local BBB (Better Business Bureau) office to Chase. Report them to the BBB, nothing says I HATE YOU more than a complaint to the better business bureau. In your report tell them EVERYTHING, your father’s date of death, dates you mailed the copies of his death certificate, date you returned the vehicle. Also, when you are wrapping it up mention that you will persue legal actions in civil court for harrassment, AND if your credit score has been damaged, sue for defamation of character. It takes a while to bring your credit back to where it was ruined by a stupid moron behind the desk of a credit card company. Unfortunately, this is no longer the land of the free BUT the land of sue or be sued. Big name companies know this BUT the gamble that you will not sue them.
I have reported my mortgage company three times, Cingular (before they became the "new" ATT) twice, my auto finance company twice as well, and each time have met with great results.
every time the bill comes in mark it deceased and send it back.. unopened.. they will figure it out eventually.. You can’t reason with Chase they are all a bunch of moronic computers with no brains. Watched another person go through the same experience.
His estate is responsible. The bill is legitimate.
+
After a person dies, the executor of the estate is supposed to run an ad in the newspaper stating that the person has died and they have to contact that person within 30 days to settle the debt. At the end of the thirty days, the attorney divides the monetary value of the estate between the debtors before giving what is left to the heirs. If a debtor doesn’t respond to the newspaper ad, then the family of the deceased person is absolved from all debt.
Don’t open the mail.
Simple mark on the outside of the envelope – Deceased! Return to Sender, and then send it back!
That should do it!
Realistically though – if there is any money due on the car – they may be able to file a claim against his estate which is done in many cases – should they so desire. -
Any mail that is being sent to him should be forwarded to the person in charge of his affairs. Just so you know you or anyone in your family does not have to pay for the loan. They might try contacting you and asking you for it. But you do not have to give them a penny. Once you accept it though there is no gettin out of it.
you really need to go to that office and look that person in the eye face to face. If a person is deceased then the debt cant very well be collected can it? however peeps lie all the time about being dead to cover up a bill. If you have returned the car and sent a death certificate. I would suggest you look them in the eye and demand a certificate of non gratis with an attorney present.or else sue the pee out of them for mental damages and undue suffering. I aint a lawyer. I am a retired credit collector.
once he is dead it is over.
what did chase say when you told them?
just tear up the letters.
we got bills for my mother in law for about 4 years after her death.
Chase is impossible to deal with–maybe they’re too big, who knows. Was your father’s estate probated? If so, a "Notice to Creditors" was published. Another answerer said creditors only have 30 days to submit bills to the estate. He’s basically correct, but the time period must vary from state to state, because in my state the creditors have 90 days. If your father’s estate was not probated, you might want to do so just to file the Notice to Creditors. If it was probated and you returned the car, your responsibility for the bill is over. Chase had a security interest in the car and they have the secured property returned. I’d keep returning the bills but I’d make a copy of the bill, the death certificate and write one more letter telling them your father is deceased. The only problem I see with your question is whether you have proof you notified Chase.