Do credit cards have to be paid if they did not file a claim?

every state has different laws. in my state, PA, and more specifically in my county,when there are creditors, you need to close formally, through court , by filing an account for audit. the judge will ask if the creditor has been notified and if you can prove that they were served with a copy of the account and given sufficient notice, their claim will be dismissed if they don't appear in court for the audit. you might try to call the creditor and if they will not pursue the claim, send them a letter confirming so.