The beneficiaries of the estate of a deceased debtor are not personally liable or responsible to settle a deceased Debtor’s personal debts. There are however a few exception to this general rule which includes;

  • where the beneficiaries co-owed the asset from which the debt arose during the lifetime of the Debtor; or
  • a beneficiary or all the beneficiaries guaranteed the debt with the deceased Debtor; or
  • as in some jurisdictions, especially in some States in the United States of America, where any property acquired by a spouse during marriage are considered community property to which both spouses have joint rights and liabilities irrespective of one spouse’s death

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