Originally Posted by
djrez4
If I may, that charge-off is going to haunt you for another three years. On a joint account, the passing of one party doesn't eliminate the responsibility of the other. Why not offer a pay-for-delete settlement for, say, 50% of the debt and be done with it?
You are making a good suggestion to deal with the charge-off. The only issue that I see is that US Bank (?) most likely sold the paper for pennies on the dollar, and that the debt has probably passed through several hands by now, so identifying the current holder might present a challenge. At the same time, this could present an opportunity since the holder might be willing to settle for something even below 50 percent of the face, if the payment is delivered quickly.