Legal Question in Credit and Debt Law in Illinois

Re: credit card

Generally speaking, if the estate [value of all possessions and real estate and bank accounts, etc.] of a late spouse is not enough to pay the credit card debt, then the surviving spouse must pay from her own money because of marriage. Often, credit card companies will settle for less payment than the entire debt. Do you need any attorney? This reply does not constitute legal advice because you are not as yet a client.