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Debt after death: what do you need to do?

So what should you do if someone you love died in debt?

27 April 2014
Next Steps

Work out what debts they have

It's going to be the last thing on your mind in the immediate aftermath of the death, but you should be in contact with anyone they owe money to (both debts and bills), and let them know they have passed away. You don't have to sort out any outstanding debt at that point, but you need to inform them so that they can freeze the interest. It's also a good idea to ask them to send you a letter outlining what is owed.

If you don't know exactly what debts they have, then you'll need to get a copy of their credit report from an organisation like Experian. To get hold of this you will need to prove that the person has passed away and that you have the right to deal with their finances. For that you either need to send proof that you are the executor of the will, or get a 'grant of representation' from the probate office.

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