All debt is not the responsibility of both spouses.

Here is a tip from a professional senior sportsman that was sent to me yesterday.

He advises you to check it out, but this is an account of his experience.

He writes:

My wife Sharon died 13 years ago so this happened 13 years ago.  She was a Credit Card Junkie---she built up debt to about $20,000 +.  Moved balances from card to card etc....After death I started paying off all cards.  Payed off about 12-15,000 debt and one time had some kind of question--so I called the company and the clerk told me that if I was not the "Primary account holder" then I was not responsible for the debt. I stopped paying off all balances and got a letter or 2 but no one denied that I was not responsible for the debt.  I walked away without paying about 5-7000.  (Of course this is after I had already paid off most of the debt) If this is still in effect and a spouse dies and is the primary card holder then that debt is not the responsibility of the other spouse.

Check it out.