Question 1

Do I have to pay my parent’s debts?

Accepted Answer

Usually not from your own money. Debts are generally paid from the estate. Some exceptions exist, like debts you co-signed.

Question 2

Is probate always needed?

Accepted Answer

Not always. Small estates or property with named beneficiaries may skip it. Rules vary by state.

Question 3

Who do I call first when someone dies at home?

Accepted Answer

If the death was unexpected, call 911. If the person was in hospice care, call the hospice nurse instead; they’ll guide you through the next steps.

Question 4

How many death certificates do I need?

Accepted Answer

Many families order 5 to 10. Banks, insurance companies, pension plans, the DMV and others often want a certified copy, and ordering more later can take time.

Question 5

Am I responsible for my parent’s debts?

Accepted Answer

Usually not. Debts are paid from the estate (what the person left behind). You may owe if you co-signed, shared the account, or live in a state with special rules, so be careful with collectors who pressure you.

Question 6

Do we have to go through probate?

Accepted Answer

Not always. Joint accounts, accounts with a named beneficiary, and living trusts usually skip probate. Many states also have simpler steps for small estates.

Question 7

How do I stop Social Security payments after a death?

Accepted Answer

The funeral home often reports the death, but you should also tell Social Security. A payment for the month of death may need to be returned, and family members may qualify for survivor benefits.

Question 8

What happens to their bank accounts?

Accepted Answer

Joint accounts usually go to the surviving owner. Accounts with a “payable on death” person go to that person. Other accounts become part of the estate and are handled by the executor.

Common questions: When someone dies