It's not unreasonable for a company to ask for repayment of outstanding debt upon death. Your outstanding mortgage balance, auto loan, credit card balances, etc

It's not unreasonable for a company to ask for repayment of outstanding debt upon death. Your outstanding mortgage balance, auto loan, credit card balances, etc., don't magically become discharged upon your death. Those matters are normally handled by one's estate. To say that it's a breach of agreement is inaccurate. You agree to repay those on death, so it would only be a breach of agreement if your estate attempts to avoid payment. For that reason, the letter definitely was insensitive as there's no reason to call her out for not fulfilling her agreement, unless maybe her estate is valueless and they are unable to collect?