this post was submitted on 07 Jan 2025
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It depends on the circumstance.
When you die, all your assets become part of your estate, which is usually then distributed either to your spouse, next of kin, or whatever individuals/nonprofits you name in your will.
If your house is part of that estate, and has a mortgage, then if your family wants to claim the house from the estate, they then have to take responsibility for, and pay the mortgage until they can sell the house, for instance.
If you owed a debt before you died, then died, and your estate had money in it, the lender would get to request that the estate pay off the debts owed before the family could lay claim to the remainder.
But in no way do any debts ever simply transfer from a deceased person to the next of kin without explicit consent, often within very specific situations, like taking claim of a house with a mortgage.