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