Know your debt responsibility when family members die

If a family member dies, you’re not responsible for their debts! Debt collectors like to try and trick family members into thinking they owe for a parent, grandparent, etc.

According to the FTC: As a rule, those debts are paid from the deceased person’s estate.

You may be responsible for the debt if you:

  • co-signed the obligation
  • live in a community property state, such as California
  • are the deceased person’s spouse and state law requires you to pay a particular type of debt, like some health care expenses; or
  • were legally responsible for resolving the estate and didn’t comply with certain state probate laws.

Read up on these laws in this FTC article