Last Updated: Aug 10, 2026
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One of the number one questions I get from clients is am I responsible for paying my loved ones debts? And the answer to that question in general is no. If your name is not on that debt and not tied to that debt, you are not personally responsible for that debt. There are avenues provided by law that creditors must go through in order to try to collect a debt from a deceased individual. If the estate has not already been opened, they must petition the court to open the estate, file a valid claim with the court, and then the
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court through its processes will determine if the claim is valid. In general, creditors have from one year from the deedent state of death to open force open the deedants’s estate, file a claim, and try to collect on that debt. If they don’t do so within the one-year time frame, they’re barred from collecting on that debt.
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