What happens to a person's debt when they die?

What happens to a person's debt when they pass away or if someone dies and they have debt what happens—debts do not automatically vanish. They become claims against the estate during probate. ^[1][2] Heirs Family members are not personally liable for sole decedent debts unless they co-signed or guaranteed—subject to community property rules in some states. Collectors The FDCPA limits certain abusive collection tactics against relatives for decedent debts; ethical collectors pursue the estate, not heirs personally. Insolvent estates Creditors may receive partial payment in priority order. Executor duties Pay valid claims before distributions to beneficiaries. ^[1][2]