Woodlands, TX Estate Planning Law Firms & Lawyers

Depending on how things were set up, there may or may not be a Will and even if there is one, there may be no assets to pass under the Will. A Will covers only those assets that are in the decedent's name alone. Any assets that were jointly held or that have a designated beneficiary, pass outside of probate and outside the control of any Will. So finding the Will will not help you, if the assets were set up in such a way as to avoid probate.

If your mother does not know about the debt, then she could not have consented to the debt; therefore, your mother has no personal obligation for the debt upon your father's death. However, upon your father's death, his estate, consisting of his separate property (and his community property, if he resides in a community proper state), is liable for any of your father's just debts. Therefore, upon your father's death, the creditor may sue his estate for payment of the debt. Thus, although your mother may anticipate inheriting all of your father's estate, that estate will be liable to pay the debt, and if the creditor is successful in making its claim against the estate, your mother will, in effect, pay for the debt due to inheriting your father's estate subject to this debt. With that said, if your mother is the direct beneficiary of the life insurance proceeds, the creditor may not reach the $18,000 death benefit from the insurance policy, as long as those proceeds are not payable to your father's estate. If your mother is deceased, then the same principles apply to the children as inheritors of the estate. In no event will your mother or the children be obligated for the debt in excess of the value of your father's estate, excluding the insurance proceeds. So, for example, let's say your father's debt is $50,000, and that he has separate property valued at $20,000 and there is $18,000 in death benefit payable to your mother under the insurance policy. The creditor may go after only the $20,000 of separate assets of your father, and if the creditor is successful in collecting the $20,000 in satisfaction of the debt, that is all the creditor will be able to receive. The creditor cannot sue your mother or the children for the $30,000 remaining on the debt, neither can the creditor touch the insurance proceeds.

You can always sue anyone, anytime. The question is whether you have a valid claim against them. Just because you are his child does not mean that you are his beneficiary. If your father left a valid Will or trust leaving his assets to another, that is his choice, absent you being under the age of eighteen at the time of his death. This the first question is how old are you? If you are 18 or older then you need to determine if he left a valid Will or a trust. If he left either and you are not the named beneficiary, then you do not have a claim. If not, you may. You should speak to an attorney if you have any questions about your rights.