Am I responsible for paying debts?

Question

My dad unexpectedly passed away.  He was behind on his mortgage and all of his bills.  Am I expected to come up with the money to pay all of this?  I don't have the money to pay for everything he owes.  What do I do?

Amanda Courtney · Accepted Answer

It depends on the debt. You’re responsible for debts in your name or jointly held with someone else. If a loved one passes, their estate typically handles their debts — not you personally — unless you co-signed or are listed on the loan.

Julianne Clark | Your Lowcountry Compass · Answer

Debts are paid by your fathers estate.  You may want to contact and attorney to help you.  There may be some debts that could go unpaid.  Make sure you research which ones they are.  Your fathers credit score no longer matters.

Louis Parrish · Answer

His estate is responsible.  So long as you are not a signer on the loans, you are not personally responsible.   If you are handling the estate, you should get local legal advice.  I am truly sorry for your loss.

Erika Stewart · Answer

I recommend contacting a probate attorney.

Haley Overton · Answer

Hi there, I'm so sorry for your loss. It can be difficult when a family member passes away and you're left wondering how to handle their estate. My recommendation would be to hire an estate attorney who can help you determine if there was a trust in place and if not, can help you establish someone to be in charge of the estate. You don't typically pay the attorney up front - they take a cut after the estate is settled. Best of luck!

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