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Survivors are not responsible for medical debt, in most cases. But survivors can be responsible for medical bills after someone dies if they are: A surviving spouse who lives in a state where marital assets are owned jointly by spouses under the law. These states are known as community property states.
Under the Doctrine of Necessaries, the surviving spouse can be held personally liable for the hospital and nursing home bills of the deceased spouse.
If there's no money in their estate, the debts will usually go unpaid. For survivors of deceased loved ones, including spouses, you're not responsible for their debts unless you shared legal responsibility for repaying as a co-signer, a joint account holder, or if you fall within another exception.
For those in arrears, being sent into collections doesn't just mean a lower credit score ? which makes it more expensive for people to later get a car or home loan ? but can also mean garnished income, liens and other legal troubles.
Under North Carolina law, a patient cannot be asked to pay more for receiving emergency services from an out-of-network provider than from an in-network provider. When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network.
All debts and liabilities incurred during the marriage, including mortgage, credit card debt, student loans and marital business debts, are considered part of the marital property. In other words, you are both responsible for the debt, and it is considered part of the marital estate.
If you live in a community property state, you probably will be responsible for debts accumulated by your spouse during the marriage. (These states are California, Texas, Arizona, New Mexico, Nevada, Washington, Idaho, Wisconsin, and Louisiana, while Alaska, South Dakota, and Tennessee make it optional.)
Medical debt alone, not counting credit cards, and student loans, has landed more than 2 million North Carolinians in collections, The News & Observer reported, which can hurt your credit score.