Death of Spouse affect credit? what factors?

I have a relative whose spouse died unexpectedly. All property (car. house, rental property, bank accounts)

was titled WROS.

The attorney advising her stated that the survivor is NOT liable for the deceased credit card debts. The survivor was an authorized user only.

Second opinions from those in the industry are sought. Those who have been this path are also invited to respond.

1) Is the attorney correct?

2) How much of a battle will the credit card issuers make?

3) Will they force her to disclose the will and formally probate it? Since the survivor is the sole heir by WROS, most matters are being handled without formal probate under small estate probate law.

4) How would such action affect the survivor's credit report?

5) Any related matters that I am overlooking?

Community Property laws do NOT apply as they lived in a state that is NOT considered a Community Property state.