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McKinney Estate Planning Attorney
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Going Through Probate? Contact Our Seasoned Professionals

Do I Have to Pay My Parents’ Debts?

Skilled McKinney Probate Attorneys

At Willingham Law Firm, PC, we are commonly contacted by clients who wonder if they will be responsible for paying their parent’s debts. The answer is generally no, as we do not pass debts on to children of the deceased in the United States. However, there are some situations in which you may be liable for the debts of your parent, often through contract law or failure to follow proper laws.

Due to the complexity and high stakes of probate, it’s always a good idea to retain an experienced McKinney probate attorney who can guide you through the process. At Willingham Law Firm, PC, our skilled team has an in-depth understanding of probate and estate planning, giving us the ability to provide knowledgeable counsel from a point of experience.

You shouldn’t be liable for your parents’ debts. Call our firm today for your free case evaluation.

Improper Action as Executor

One situation where you can become liable for the debts of your parent is to fail to notify creditors when acting as your parent’s executor. Executors rarely have experience with probate, which can put them in a tough position. Oftentimes, they don’t understand that they are required to pay creditors first, before they pay beneficiaries. If an executor fails to pay the debts of his or her parent and cannot recover the property from the other beneficiaries, then he may have to repay the creditors out of his own pocket. This situation is very unfortunate because it is easily avoidable by simply notifying creditors and following proper probate law procedures.

For guidance through the probate process, call Willingham Law Firm today at (214) 499-9647.

Common Debts

Another way you can become liable for the debts of your parent is to have a common debt. This situation happened to a client of our firm, who had decided to co-sign on a mortgage with her father. When her father passed, the mortgage became her full responsibility. The loan officer for the bank had told her that the only reason she was needed on the mortgage was for credit purposes, but this was not true. As the only living person on the mortgage, she was forced to pay off the debt.

Guaranteed Debts

The most common way to become liable for the debt of your parent is to sign a guarantee. Hospitals and nursing homes will sometimes require you to guarantee a payment in order for them to treat your parent. Many times these guarantees are not lawful, but the hospital or nursing home will use them as leverage to try to get paid. If you are planning on putting your parent into a nursing facility or hospital, then consult with an attorney before signing any type of guarantee.

We Can Help You Avoid Costly Mistakes

Even though you are not liable for the debts of your parent, this will not stop debt collectors from trying to collect the debt from you. Many times debt collectors will lie and claim that you owe the debt. In some situations, the children will pay it without consulting an attorney first.

Our seasoned McKinney probate lawyers at Willingham Law Firm, PC can help you avoid mistakes which can make you responsible for your parents’ debts. When you retain our firm, we will provide skilled guidance through the probate process, protecting your interests every step of the way.

Don’t hesitate to secure the legal representation you need.
Contact our firm today at (214) 499-9647.

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    “As a Certified Financial Planner, I recommend the Willingham Law Firm for my client's estate planning needs. Taylor had done a fantastic job for my clients. ”

    Jeffrey Reddick, CFP

  • Taylor and his office are exceptional

    “Taylor and his office are exceptional. I am always treated like family. I know the advice is coming from an expert in the field. I have referred all of my friends and family here and they've all had the same experience. Planning is something everyone needs to be prepared for and they make it painless.”

    Elizabeth Hardwick

  • Their firm is knowledgeable and professional. It's always a pleasure working with them.

    “I work with the Willingham Law Firm exclusively for Estates and Elder law clients. As an Estate Planning attorney in Arizona it is important to have a network of trusted attorneys around the country to refer my clients to for their out-of-state legal needs. The Willingham Law Firm has stepped up many times and both myself and my clients have been very pleased. Their firm is knowledgeable and professional. It's always a pleasure working with them.”

    B Rodgers

  • Taylor and his team are amazingly professional.

    “Taylor and his team are amazingly professional. They have handled several matters for us and all have been handled ethically and quickly.”

    Gail Hillman

  • Me and my husband went to Willingham Law Firm to have wills done in our new home state of Texas.

    “Me and my husband went to Willingham Law Firm to have wills done in our new home state of Texas. Taylor and his staff exhibited extreme knowledge and skill with regard to estate law, which, in turn, put us at ease with the decisions we had to make. They guided us through each step and we couldn't be more pleased with the outcome. This place is top-notch! Thank you for all your help.”

    Stacy Rollans