If you want to call me ignorant, then fine. But I was the only child dealing with my dad’s death at a relatively young age while also trying to handle his Estate and work a full-time job. And when I spoke with a representative at Citi I wasn’t informed that the remaining balance owed would be transferred to a collection agency and it didn’t occur to me to ask because he never defaulted on a payment, he died. His credit card by another company was handled internally and not transferred to another agency so I had no reason to assume otherwise.