CHARGE OF IS A ACCOUNTING TERM COMPANYS USE FOR TAX PURPOSES WHEN THEY HAVE GIVEN UP HOPE THAT A PERSON WILL PAY A DEBT....IF THE CARDS WERE SOLEY YOUR HUSBANDS TELL THE DEBT COLLECTOR HE DIES AND YOUR NOT RESPONSIBLE FOR THEM(UNLESS YOU HAD A JOINT ACCOUNT WHERE YOU COSIGNED)..IF YOU SETTLE A ACCOUNT THEY WILL STOP CALLING BUT MAKE SURE YOU GET THE SETTLEMENT AGREEMENT IN WRITING
