We used Mom's credit card for funeral and we can't pay the difference, what should we do?

Dogrambo asked...

We used Mom's credit card to prepay her funeral so we could get a discount, knowing that her life insurance would cover the expense. However, turns out she has much less that we thought and it won't cover the total cost. Is whoever signed the charge at the funeral home responsible for the charge? She did already have a $2500 balance prior to the funeral charges of about $5800 and we only have $3000 in life insurance and no other assets

Expert Answer

Rebekah Peoples, CFSP, CPC, Is a licensed funeral director and embalmer. She is passionate about serving others and believes that giving clients honest, accurate information empowers them to create tributes and services that are meaningful and appropriate.

To be sure I understand the situation, you're stating that you made arrangements at the funeral home for future services for your mother who is still living. The charges came to $5800 and there is $3000 in life insurance with no other assets to cover the remaining $2800.

Because the funeral home has not performed any services at this point, whoever signed the paperwork can go to the funeral home and change the arrangements to fit within the life insurance amount. Be sure to ask the funeral director if there are any financial resources that your mother may be eligible for, such as social services benefits or if she is a veteran, veteran's benefits. It is strongly recommended to make this visit with the funeral director as soon as possible.

A good caring funeral director will offer ways to help you have respectful services within your budget, even suggesting some things that your and your family can do without their supervision or costs.