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me_when_:D

me_when_:D

Student
Dec 9, 2024
81
I have read online that the debt will be paid by the property of a deceased.
But what if I don't have much property?
What happens if I take a huge loan, give out the money (physically, harder to track) to friends and then ctb?
 
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SadRatQueen

SadRatQueen

Professional Crybaby
Dec 27, 2024
62
Speaking for the us, they can't legally make anyone who didn't have their name on said loan pay for it. Now, that doesn't mean they won't try. The moment someone pays a single penny of the debt, they're basically signing up to take on said debt.
 
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TheHolySword

TheHolySword

empty heart
Nov 22, 2024
1,083
I am not a lawyer and do not practice law, laws and practices vary by state and by country so please contact a lawyer to discuss this further.

That being said, I do work as a loan officer for a credit union so I will say what I do know. Loans are typically paid by the estate, if there are not enough funds in the estate then the loan will typically be charged off by the lender. If there is a coborrower to the loan then they will still be responsible for paying it in full. Any joint holder of a credit card would similarly be responsible for paying the debt. Collections can absolutely still contact you about a deceased debt, but they cannot imply you are responsible for it nor harass for you it.

Again, this is general and typical procedure but it can vary. I would advise you to consult a lawyer and look up your local laws regarding.

Also, you have to a good reason for taking out a large loan and have the budget and credit history to back it up. You aren't just going to get a ton of money in cash to give away without a solid application.
 
L'absent

L'absent

Banned
Aug 18, 2024
1,391
Every nation has its own laws. It is not possible to answer if you do not write the place where what you described happens.
 
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me_when_:D

me_when_:D

Student
Dec 9, 2024
81
Every nation has its own laws. It is not possible to answer if you do not write the place where what you described happens.
my country is not very easy to find info about. So I am just looking around how other's states handle this. My country seems to mimic western (as in EU and US) state's policies
 
L'absent

L'absent

Banned
Aug 18, 2024
1,391
my country is not very easy to find info about. So I am just looking around how other's states handle this. My country seems to mimic western (as in EU and US) state's policies
Even within the European Union the variability is enormous. Without knowing the country you are writing from it is impossible to respond.
 
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