The letter you send to creditors after the death of your spouse does not need to go into great detail.
The details you should include are:
- Account number
- Deceased’s name and address
- Date of death
- Outstanding balance (if known)
- It should make clear to the creditors that there are no joint accounts or co-signatures on the account
- The death certificate (copy or original depending on the creditor’s requirements)
The following letter is to be used if you (the spouse) were NOT a co-signature or guarantor on the loan amount.
Letter to Creditors on the Death of a Spouse – Sample 1
[Name of creditor]
Re: Account No: [number]
Notification of Death
This letter is notification that my husband/wife [name], died on [date of death]. I as the surviving spouse will 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 address or call me on [telephone number].