Occasionally you can be affected by the debts of the person who died. The following are examples of the most common circumstances. Seek advice from a professional such as a solicitor or an accountant with experience of this situation if you are not sure.

We held a debt together

If the debt was jointly held, e.g. a mortgage, you will now be responsible for the whole amount

I had guaranteed the debt

If you had agreed to guarantee the debt you will need to take responsibility for it.

We held some money or property together (includes after separation or divorce)

Money held in joint names usually transfers ‘by survivorship’ to the person who remains alive, regardless of whether the two people were related or not. With property the situation can be far more complex as it can depend on how the property is owned. Please seek professional advice especially if it seems that your home may be at risk.