Registered Charity 1161164.
Authorised and regulated by the Financial Conduct Authority.
Common Questions
Here are some typical questions we get asked:
What happens to debts when you die? Will my family have to pay?
In the UK, debts don’t pass on to family members when someone dies. Instead, they’re paid out of the person’s estate—this means any money, property, or other assets they leave behind.
What about joint debts of guarantors?
Family or friends are not personally responsible for paying off debts unless they were named as a joint borrower or acted as a guarantor. In those cases, responsibility for the debt continues.
What if the estate is insolvent?
If there isn’t enough in the estate to cover all the debts, it’s called an insolvent estate. There are clear legal rules about which debts get paid first—and some may not be paid at all.
Dealing with estates isn’t part of our core service, so we would generally recommend seeking specialist advice if you’re in this situation. But we hope the information above helps with the basic principles.
