Viewing a single comment thread. View all comments

Grunchlk t1_iydw24y wrote

Did you co-sign on any loans or debt consolidation agreements? I would politely ask this company to explain why it is they believe you're responsible for any portion of it and then back that up with a written document mailed to you.

Generally speaking, in the US anyway, when a person dies their estate now owes the debt. The is what probate is for, through probate the executor consolidates the decedent's assets, pays their debts, and this disburses the funds to the heirs.

It's more complicated than that, but that's the gist. Many companies will try to guilt you into taking ownership of the debt. If you're the heir of an estate that when through probate and you didn't co-sign on any loans then they're just trying to get you to give them money for free.

5

GraciousBassist OP t1_iydwroz wrote

Due to the nature of the second death, we had no will for the estate and I had to go through probate court to be able to be the executor of the estate at that time. To answer your question about cosigning, no I did not cosign on this loan.

2

Grunchlk t1_iye6hsk wrote

If the estate went through probate (assuming all protocols were followed) and you didn't cosign then you shouldn't be on the hook for anything. I would politely tell them the estate is closed and if they have further questions they can contact the court. The court will have all your filings for notifications and such, so they'll be able to see they missed out on being able to collect. There's a limited window for creditors to come collect money for this very reason.

3