Legal Question in Wills and Trusts in Georgia

As a general rule an authorized user doesn't have to pay anything but you likely will be held responsible for charges after her death. Bear in mind her estate is responsible for the rest, so you need to see a wills and estate lawyer ASAP.

If the charges are in fact your charges, even before the death, you can be pursued. The card issuer is not likely to look that deep, but they have the legal right to pursue the person actually making the charges and getting the goods. They can also accuse you of fraud for using the card of a deceased person.

As an authorized user only, you were not liable and you ought not to have used the card. Since you did, I would argue that you only should be liable for your charges and the estate of your mother should be liable for the balance. You do not indicate what, if any assets your mother owned, what monies she owed besides this debt, or if an estate was probated or needed to be probated for her.

I would echo Attorney Ashman and see a probate attorney in the county where your mother lived at the time of her death immediately.