Reply #24: Oh, and if you're the executrix of the estate...

[varkam]

then it also has to be in writing as, otherwise, it would violate the Statute of Frauds (which I'm pretty sure is universal among the states, though I could be wrong - so before you thumb your nose at Chase I'd recommend talking to a lawyer).

But, on the whole, I think that so long as you don't put anything in writing, there's nothing that they can do to saddle you with the debt.