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Additional Details
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frank_200654 | My mother died, she had no will, no estate, just life insurance, that she gave to me, an only child.? |
who pays her bills? Am I reponsilable for her bills? |
 |
 
john n
 |
By law, as the sole offspring of the deceased, you are entitled to inherit her assets. Her estate is comprised of assets and liabilities and you have the choice of taking both or taking nothing.In other words, you need to find out which amount is greater..... the assets or the liabilities and make a descision based on that. |
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brettotte1
 |
remember, life insurance is free of taxes and goes to the beneficiary she named in it
if she didn't name one then it goes to her estate and will be used by the state in probate to pay any debts she had, so it's best to name a beneficiary
her bills need to be paid by her estate. you can call any service provider like TV, water, elec, etc and start cancelling them. Many will ask for death certificates. Get ready to have about 12x or more and each will cost you about $7.
You aren't responsible for her bills, her estate is unless she has no assets at all. They can't go after her estate usually if there is $25K in value or less too. Depends on the state.
10 pts please |
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Dawn C
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I would consult a lawyer. If she owned property and had debt then she has an estate. When my mother died we sold some of her property to pay bills that were outstanding and we had to use what was in her banking account too. The lawyer received bills from creditors rather than us. I spoke to some personally and requested that they write off the low amounts, which they did with a copy of the death certificate. |
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crossstitchkelly
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If no claims were filed after her death, you are not responsible for the debts. But any debtors can attach any assets she did have as payment. The life insurance probably wouldn't be included, and for most debtors, it's not worth the hassle of filing claims, but if the debt is large enough, and there are enough assets to pay some of the bills, they may try to file a lien against any of the assets. |
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Alterfemego
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If she left no will, no real assets, then no you wouldn't be responsible. I'm sorry for your loss. |
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mbrcatz
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debt is NOT inheritable. If you are the BENEFICIARY of her life insurance, you do NOT have to pay any of her bills with that money.
However, if YOU made the funeral arrangements, you ARE responsible for any funeral bills. |
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Cheryl G
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No, you are not responsible for her bills unless your name appears on the debt. |
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Andrea
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currently I am paying a mortgage on a home and payments on my car and credit cards.I do not have enough insurance to pay these off . I had homeowners mortgage insurance to pay off the home but had to drop it because i could no longer pay the high premiums. I have a will and my oldest daughter is the executor of my estate. My daughters could sell the home but it may not sell and by the time they pay the monthly mortgage , utilities and an agent ,they wouldn't make anything from the sale . in fact they would be paying out of their pockets for something they wouldn't gain from. Would my daughters(2 adult) be responsible for paying my credit card bills and could they just let the house go? I believe they would either have to turn the car in, pay it off or sell it. I know this is a lot. But mainly i need to know if they would be responsible for my debt and have to use all life insurance to pay it. Their names are not on any of my debts. When I read upon this, some say yes, they are responsible and some info. says no. Please help |
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