Home > Creditors & Debtors > Letter to Creditors on the Death of a Spouse

Letter to Creditors on the Death of a Spouse

By: Garry Crystal - Updated: 21 Sep 2012 | comments*Discuss
Creditors Death Of Spouse Letter Debts

Writing a letter to creditors on the death of a spouse will mean assessing an amount of financial information before writing the actual letter. Credit and loan companies will need to be made aware of the death as soon as possible, and there will be considerations regarding co-signed credit agreements.

Intent of Letter to Creditors after Death of Spouse

The death of a spouse or relative will usually be a time of great emotional upheaval and stress. Finances are usually the last thing on the surviving partner’s mind but they do need to be dealt with as quickly as possible. If there is no executor to deal with the financial issues then the closest relative or next of kin will usually deal with these affairs. Creditors will need to be written to in order make them aware of the death and to close any accounts.

Considerations for Creditor’s Letter

One of the main considerations with letters to creditors after a spouse’s death is whether or not credit agreements were co-signed. If it was the case that a spouse or relative acted as a guarantor or co-signer then the surviving person could be held liable for the remaining debt. This could also be the case with property if there is a mortgage remaining. It may be the case that all debts will be paid from the sale of an estate to cover existing debts. If there are no co-signatures then the letter process will be straightforward.

Gathering the Necessary Creditor Information

Information that will be needed before the letter writing process begins will include the most recent credit and loan statements. These will be needed for information such as creditor addresses and outstanding balances on the various accounts. These statements can also be checked to verify whether or not there was some form of insurance protection to cover the outstanding debt on the event of death. Bank accounts should be frozen once the death has been registered and no more payments should be made from these accounts.

Creditors and Death Certificates

Most creditors will require a copy of the death certificate as proof before they will close down credit accounts. The original copy of the death certificate should be obtained from the Registrar’s office. Some creditors will accept copies of the certificate and some will only take the original document. Additional copies can be obtained at the Registrar’s office as well as abbreviated originals. In the first instance simply send a copy of the certificate with the letter. If an original is needed then creditors will ask for one.

Standard Letter to Creditors on Death of Spouse

The letter to be sent to creditors does not need to go into great detail. It should contain details such as the account number, the deceased’s name and address, and the date of death. It can also include the outstanding balance. It should also notify the creditors that there are no joint accounts or co-signatures on the account. If there are co-signatures then the credit company will make contact to discuss liability for the remaining debts.

Letter to Multiple Creditors

If there are a number of creditors then the letter should be a standard template containing the same content in each letter. The only difference to the letter will be the creditor’s address and the account reference number and balance. Using the copy and paste function on a computer to set out each letter (or a mail merge if you know how), will be the simplest way of reproducing multiple copies of the letter. Always keep copies of the original letter to each creditor for future reference.

Sample Letter to Creditors on the Death of a Spouse

Your name


Name of creditor
Credit Company Name

Dear Sir/Madam

Re: Account No:

Notification of Death

This letter is notification that (name of deceased) died on (date of death). I am the surviving spouse and I shall be dealing with any further correspondence on this matter. There were no joint accounts or co-signatures on this account. Please find enclosed a copy of the death certificate.

If you do require further details please contact me at the above telephone number or address.

Yours faithfully

Your Name

You might also like...
Share Your Story, Join the Discussion or Seek Advice..
why in the world would you give them your phone number? That's asking for it. All correspondence in writing only.
crazydiamond - 11-Jan-12 @ 2:50 PM
What an excellent site. Clear & easy to follow. I used this letter recently to advise financial services of a recent family death at a time hen there is so mch to organise this took away any extra pressure. Thank you
Marge - 9-Jan-12 @ 5:09 PM
Share Your Story, Join the Discussion or Seek Advice...
(never shown)
(never shown)
(never shown)
(never shown)
Enter word:
Latest Comments
  • fayar
    Re: Letter Offering a Partnership
    Hi i need help drafting a letter to a petroleum company seeking a partnership/franchise of their brand of petrol station. I have…
    15 January 2021
  • Bo bo
    Re: Letter Offering a Partnership
    Happy New year, please help me write a lettle of partnership to companies / Banks to partner with us for an entertainment program
    2 January 2021
  • Vera
    Re: Letter Offering a Partnership
    I want a sample letter of partnership with an HMO, asking them to partner with my hospital
    18 December 2020
  • FSM
    Re: Letter Offering a Partnership
    Could you please help in writing partnership request letter to a company that I worked with them before in Netherlands and now I…
    15 November 2020
  • Wad
    Re: Letter Offering a Partnership
    Please I need a letter I will send to a company overseas (Europe), asking them for a partnership. I opened a new company and I…
    2 November 2020
  • Chief
    Re: Letter Offering a Partnership
    Trust that i find you well. kindly can you assisting me with a partnership business proposal letter to sell our insurance…
    18 October 2020
  • Ray
    Re: Letter Offering a Partnership
    Greetings, I need help in drafting a proposal to larger furniture systems manufactures to join as a partner in establishing a…
    12 October 2020
  • Taban
    Re: Letter Offering a Partnership
    Helloo, I need support for a letter of expression of interest for business partnership and am a new company can you help me
    9 October 2020
  • Abdi
    Re: Letter Offering a Partnership
    can you assist me with a sample of a request email for a partner ship to a marketing and branding company to help us. thank you
    5 October 2020
  • Dave
    Re: Letter Offering a Partnership
    Hi Fam, I need assistance in drafting a letter to business leaders to join your mentorship program in helping our fellow…
    26 August 2020