Basic probate question 22 February 2015 at 9:29PM edited 30 November -1 at 1:00AM in Deaths, Funerals & Probate

clarkac

Husband & wife have a joint bank account with a credit balance. Husband dies, and has an outstanding loan. In his will he leaves everything to his wife.

Am I correct in thinking that the joint bank account immediately passes to the wife, and therefore the loan debt would not be paid out of that joint bank account? i.e. the joint account is not part of the estate.