Help re a deceased' debts

Christina_F

Hi
A friend of mine lost her MIL recently. Whilst sorting her affairs it came to light that she had a credit card debt of £2500 and a loan of £5000.

IS my friend liable for these debts - there isnt enough left in her MIL estate to pay them. I thought that a credit card debt died with you (or is this wishful thinking?)

Thanks

bonnie_2

the debt dies with you.

Broken_hearted

If there is nothing left in the estate, then there is nothing for them to take.

tyllwyd

I'm not a solicitor so I don't know, but I had a look on the internet, and from what I can see the estate has to pay its debts as far as it can, but unless the debts are in joint names then the creditors can't come after anyone else. I take it that your MIL didn't jointly own any property with her husband or someone else, because that would make it a bit more complicated.

http://www.direct.gov.uk/MoneyTaxAndBenefits/ManagingDebt/DebtsAndArrears/DebtsAndArrearsArticles/fs/en?CONTENT_ID=10013093&chk=GeJ8kQ

mboro

I keep trying to convince my Nan on this one but she wont believe me, when my mum passed away all her debts died with her so to speak and I ddint have to pay anything.

Christina_F

Thanks - the lady lived in rented property on her own (she was a widow). She had very little money in her estate certainly not enough to pay off these 2 debts. My friend was just worried in case she had to settle them herself.