 Hi , my son wants a new car , he just started work and only has one payslip ,hes 19 and has no credit historty |
id like to gaurantor for him , i work and have good credit history , do you think there will be a problem getting a car for him , thanks
Additional Details
can i just add that my son is ... |
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fireybird | When a parent dies are we responsible for their debts ? e.g. unsecured personal loans? |
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teala
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The only person responsible is/are the person/persons who incurred the debt. If they are deceased, the debt either comes from their estate, or dies with them. You are not responsible unless you are a party to the debt. |
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bob t
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No it comes ourt of their estate |
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grumpcookie
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yes. they will come out of the dead persons estate, as will all other debts at the time ofdeath. |
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Maid Angela
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death does not cancel all debts. People with a legitimate debt can claim on the estate. Whoever administers the estate should draw of a list of debtors and creditors then collect any monies owing and pay any bills. If there is insufficient funds to pay all the debts then some will not get paid but the relatives are not responsible for those debts our of their own funds |
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naplusultra
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No unless your signature appears on the loan document. Immoral companies will sometimes "try it on" An unsecured loan is exactly that. Is not taken out on property etc. Also secured loans have insurance, which pays out on death. Hopefully your parents are alive and well and this is just a general question :) |
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Biz Guru
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It is usually the estate they leave behind. Some loans die when some one dies. These include many credit card debts (although the companies don't always tell you this.)
Before you pay the loans back from the estate - look at the loan document.
Mortgages are still payable as are most other secured loans.
Don't pay anything out of the estate until all documents are reviewed. |
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ANN F
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their kids |
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clgirl
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the debt go to the estate |
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bluemoooner
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i have just recently experienced your problem my father in law died and did not believe in any form of insurance,my mother in law was left to the settle the debts,so this is how legally you get around the debts,any money left in the estate pays for the full funeral costs including headstone etc.any other priority debts that were in sole name pay them off gas elec.what ever money is left contact the creditor and state that this is the remaining amount from the estate whether it is £0 to £??.you will find that most creditors will write off the debt,also make sure that the family home if in joint names is transfered to sole name proof of death certificate will be required,and that there is no other form of income available to settle the debts,if life cover is due to make a payment then that is classified as his estate and debts must be paid.as i have stated my father did not believe in insurance at any costs. |
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Professor
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No you are not - but it comes out of any estate they have left before you get a slice |
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dubgirl26
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No i dont think so my sister died and she has outstanding loans we just had to show death certs etc and the banks looked after them however she did have the loan protection on hers so i suppose you'd better just ask if they own property it is possible they would want to be paid that way. |
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Awl
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I believe that when a person dies anyone who is owed money needs to lodge a claim to the estate. Banks etc usually get first dibs and are paid from that and then the rest is distributed amongst kin and as per the wishes of the deceased.
Here's hoping that you haven't recently lost a parent and if you have please accept my condolences.
Take care |
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HEAR TO HELP
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OH YES, THE BILLS WILL GO ONTO THE CHILDREN.. |
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