Dad died and left mum with large dept.

tanith

truckhunter wrote: »

No nothing of value that i know of .
Only a car worth about 1000 quid
Other than that just a working class man.
He did have a insurance which should pay out about £15,000.
But the trouble is who do i pay of first the credit card or the loan.
Credit cards are 18-24% at about £10,000 and the loan is about 6% at £20,000

truckhunter, please read the very helpful threads above about getting a solicitor to check wether your parents owned the house as JOINT TENANTS or TENANTS IN COMMON, if it is JOINT TENANTS then your Mum won't have to pay your fathers debts herself..

truckhunter

Going to a solicitors soon its getting over my head now
but im sure its a joint tenant....

dgl1001

Best of luck original poster. Just to be clear on this, if the housing is jointly owned (the vast majority are), the house automatically passes to your mother WITHOUT it forming part of your fathers estate and therefore the CC companies cannot chase your mother for it as the debts are not hers.

anotherpaul_2

truckhunter wrote: »

He did have a insurance which should pay out about £15,000.

The insurance may pay out to an appointed person (your mother, I guess), in which case that money is also NOT part of the estate and cannot be claimed against by the debtors.

As gizmo111 said, don't pay anything (expect the mortgage payments) until your certain the debt is enforceable and then only with money that is definitely part of your father's estate (which it sounds like the house IS NOT). Once you pay them, they won't return the money if you later discover that it shouldn't have been paid.

Best of luck and my (overdue) condolences.

freezspirit

If the debt was solely in your fathers name then surely the repayment of debt stops after his death.

Some websites that might help:

http://www.debtlawnetwork.com/who-pays-bills-when-someone-dies/

http://www.insolvencyhelpline.co.uk/debt_factsheets/what_to_do_about_debt_when_someone_dies.php

http://www.thisismoney.co.uk/ask-an-expert/dealing-with-debt/article.html?in_article_id=441019&in_page_id=188