Consolidated Credit Counseling Services, Inc.
5701 West Sunrise Boulevard
Fort Lauderdale, FL 33313
Financial Steps to Take After the Death of a Spouse
What to do First - Before Debt Piles Up
Losing a spouse is a very stressful event and usually the last
thing on a person’s mind is getting their financial situation
organized. This can be an overwhelming task, especially if the
spouse who has passed on did not keep an organized record
of his or her financial affairs. It is also very important not to
do anything rash; make a plan first because you will be going
through a time of adjustment, personally and financially.
You may want to enlist the help of a few trusted family
members to help you with this daunting task, but be very
careful because your private affairs should be kept confidential.
Start by making a comprehensive list of every financial element
and source of debt that will need to be focused on.
• Funeral service and burial costs
• Estate, will and trust matters
• Income and employment matters (such as pensions,
or social security benefits)
• Investments (IRAs, mutual funds, CDs)
• Tax documents (income or property tax related)
• Current bills (rent, mortgage, credit cards, etc.)
• Miscellaneous expenses
Once you have created this all-inclusive list of every financial
consideration, determine the resources that can assist you
in managing them. This means making another list of the
professionals you will need to contact, such as attorneys,
tax accountants, investment advisors, credit counselors, etc.
You can then determine what elements on your list are most
This booklet is designed to show you the financial steps to take
after the death of your spouse. Consolidated Credit Counseling
Services, Inc. has been helping Americans across the country
solve their credit and debt problems for more than a decade.
Our Educational Team has created over thirty publications to