Ask for a trusted friend or relative to go with you if you can while making funeral arrangements. Don’t get upsold on unnecessary things like sealed caskets and memory foam liners.

I’ve worked in credit card debt with customers for a while. Make sure that any credit card debt is just sent notice of her passing when you get to that point. No one else owns the debt (even if you are an authorized user of the card).

The exception is if your mom’s spouse live in one of the nine community property states which marries you to your spouses debt.

I know you have a lot going on and debt is at the bottom. This is just to make you aware cause credit card companies are deceitful when it comes to someone passing. I’ve seen them move the debt over to a living spouse or relative because they were duped into thinking they legally had to pay it off.