Legal Question in Credit and Debt Law in New York

sorry to hear. The answer is if the credit card was the daughter's and hers alone, NO.

It depends on how the deed reads. Normally non-spousal joint ownership does NOT provide an automatic transfer of ownership to the survivor. While a joint bank account gives all the funds to the survivor. An attorney has to examine the deed. If her interest in the house goes into her estate, the creditors might end up with a LIEN against her interest but they could NOT get the house since it is jointly owned. Did the daughter have a will? If not, the intestacy laws of NYS apply. The parents would probably get the house (with liens possibly).