When a parent passes with unpaid credit cards or other bills, families often worry about losing the house. In California, creditors generally must make their claim within one year of the date of death.
In a probate, the court publishes a notice and creditors file claims against the estate. With a living trust, administration stays private and out of court, though the trustee is still responsible for handling valid debts properly.
Eric Baskett has helped families across the South Bay, Palos Verdes and greater Los Angeles and Orange County sell inherited homes for 21 years. He coordinates clean-outs, repairs and the sale so you don’t have to navigate this alone. Free, no-obligation consultation: 310-807-6879.
Common questions
What happens to credit card debt when someone dies in California?
Valid debts are generally paid from what the person left behind before the heirs receive their share. Family members usually aren’t personally responsible for a parent’s credit cards unless they co-signed. An estate planning attorney can confirm this for your situation.
How long do creditors have to make a claim on an estate in California?
Creditors generally have one year from the date of death. In a probate, the court notice can set shorter deadlines for creditors who receive it.
Eric Baskett | Century 21 Coastal Properties | DRE 01446685. Not legal advice.