Welcome to Local 983

President Joe Puleo

Telephone Number 212-815-1983
Fax Number 212-815-1727

Brothers and Sisters, Welcome to Local 983's new website!

On our site, you can download forms, contracts and get benefit information, you can look up contact information for union representatives including shop stewards; you can read the latest media covering the hard work of our members and union issues at In The News: To find out what we do and who we represent click on About Us.

You can also learn about up coming meetings on our Calendar page. We’ll also be putting up photos of Union events, both celebrations and struggles in our Events page.

So please go up to the site's navigational bar on top and click away.

We hope the sisters and brothers of our local, as well as visitors interested in who we are and what we do, will find the site both useful and informative. We have tried to make it easy for our members to find your benefit information and forms.

If you ever have any questions or need assistance, feel free to contact the union office. Our number is 212- 815-1983.

DEBTS AND THE DECEASED

 

DEBTS AND THE DECEASED

The DC 37 Municipal Employees Legal Services (MELS) answers your questions about the debts of deceased loved ones, especially during this coronavirus pandemic.

Am I responsible for paying off the debts of a deceased relative?

Generally, the answer is, no. Responsibility for a deceased relative’s outstanding obligation is not automatically transferred to a surviving relative.

Are debts extinguished when the debtor dies?

No. Outstanding debts remain active. Payment of the debts becomes the responsibility of the decedent’s estate. If there are no assets in the estate, meaning the decedent left behind nothing of value with which to pay outstanding obligations, the obligations often go unpaid.

Can I, as a surviving relative, ever be held responsible for the deceased’s outstanding debts?

Yes. There are circumstances under which a surviving relative can be held responsible for payment, such as:

- If a surviving family member co-signed for one (or more) of the deceased relative’s debts, the surviving family member may be responsible for payment of the debt(s),

-If a surviving family member is the executor of the deceased’s estate, and is therefore responsible for settling the debts of the estate, with the assets of the estate, and fails to do so.

-If a deceased person’s spouse was responsible for payment of certain health-care-related expenses under a state law.

What if there was no will?

The lack of a will does not mean that there is no estate. If a relative dies intestate (without a will), the estate will be controlled by intestacy laws. In such cases the court may appoint a representative or an administrator to manage the estate and to settle outstanding obligations.  

What if debt collectors start calling?

- Debt collectors are permitted to speak to a deceased person’s spouse, parents (if the deceased was a minor), a guardian, executor, or administrator about a deceased person’s debts. Collectors are not permitted to speak to anyone else about the nature of the debts.

- Collectors are permitted to contact third parties to obtain contact information of the deceased’s spouse, executor, administrator, or anyone else authorized to pay the deceased’s debts. Collectors are permitted to make such a call only once, unless the collector has reasonable cause to believe that information provided was inaccurate. Collectors may not discuss the nature of the debt with third parties.

What if I feel I am being harassed by collectors?

-To stop a collector from contacting you about a deceased person’s debts you must send notice in writing to the collector stating that you do not want any further contact.

-Send the original letter by certified mail, return receipt, so that you can track and document the date upon which the collector received the letter. Keep a copy of your letter for your files.

-If you are responsible for paying the debt, as executor, administrator, or co-obligor, be aware that although collection letters and phone calls may have stopped, the debt will remain active and creditors may resort to the Courts for collection.

Be aware of scams.

Unless a surviving relative is responsible for paying a debt for one of the reasons listed above, responsibility for payment of the debt of a deceased relative does not attach to surviving relatives. Unfortunately, there are those who seek to frighten and bully people into paying debts that may not be there’s. Before agreeing to make payments on a debt you are not sure is your responsibility, please call (212) 815-1111 to speak with an attorney at MELS.

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District Council 37 : DC 37

District Council 37

Protect Your Rights And Benefits! We want you to be part of New York City’s largest public employee union, with 125,000 members and 50,000 retirees.

 

Local 983 Events Calendar

June 2020
S M T W T F S
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28 29 30 1 2 3 4
Sat May 16 @10:00AM - 05:00PM
Family Day
Tue Jun 02 @ 6:00PM -
General Membership Teleconference

Local 983 Twitter Feed