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ing to California Probate Law, the first step in alerting creditors that someone has passed away is by completing a Notice of Administration to Creditors (form DE-157). The form should list both creditors and potential creditors who should be given the notice of the persons passing.
The best way is to contact the known creditors personally by phone. The problem that you *may* run into is that they will want to speak with the personal representative for the estate. There IS no personal representative for the estate if there is no estate. This is very likely to be the case with the mortgage company.
What the notice needs to say. There are three major points that a notice to creditors needs to contain: the name of the person who has passed away, the amount of time creditors have to come forward, and contact information for the executor or the executors lawyer.
How to Report a Death to the Credit Bureaus Understand Who Can Report a Death. Only your spouse or another person with legal authority, such as the executor of your estate, can notify credit bureaus of your death. Gather Information. Submit the Documents to a Credit Bureau. Request a Copy of the Deceaseds Credit Reports.
Dear [name of credit bureau]: I am writing to request that a formal death notice be placed on the credit file of: Deceaseds full name (with middle initial if used): Most recent address: Social Security number: Birthdate: Enclosed please find one copy of decedants death certificate.
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You should notify the credit card companies ASAP to stop interest from accruing and any other fees. This should be done for both primary and joint credit cards. Make sure to also look at card statements to see if there are any recurring charges youll want to transfer these to a different card or bank account.

sample letter to credit bureau after death