My husband passed away and I owe 10,000 on my credit card. Why don’t I send any messages or call to remind me?

My husband has passed away and I owe 10,000 yuan on my credit card. Now I don’t send messages or call to collect money. The possible reasons are as follows:

1. Collection behavior is prohibited: According to China According to the relevant laws and regulations, the family members of deceased debtors have the right to request that collection actions be stopped. The collection agency may have received the notification and is no longer pursuing collection efforts.

2. Civilized debt collection: Chinese society attaches great importance to civilized debt collection. In the case of bereavement, the collection agency may consider avoiding increasing the psychological burden on the family and respecting the privacy and dignity of the family, so they choose not to Send another message or call to collect.

3. Account freezing: If the husband’s credit card account has been frozen, the collection agency will suspend the collection work. The frozen account may be due to the fact that after the husband's death, the family provided relevant documents to prove the husband's situation, and the bank handled the account accordingly, resulting in the collection agency being unable to continue collection activities.

To sum up, the reason why the credit card debt of 10,000 yuan will no longer be collected after the death of the husband may be due to the prohibition of collection actions, civilized debt collection or account freezing, etc. The family can notify the collection agency to handle the husband's debt by providing relevant documents.

Extended information: According to Article 15 of China's "Contract Law", if a party terminates the contract due to death, loss of civil capacity or being declared missing, the other party shall be notified in a timely manner. According to Article 22 of the Civil Procedure Law, if the party concerned dies, the lawsuit shall be terminated.

The above is an analysis of the possible reasons why my husband has passed away and owes 10,000 credit card debts. Now I do not send messages or call to remind him. Specific situations may require specific judgment and resolution based on individual cases.