WELCOME

I gasped out loud at this????

They will say “don’t you want them to go to the grave without debt”, they will try to guilt you, they will take advantage of your vulnerability.

Source: when my father died, he had some credit cards that my mom wasn’t on that she had no access to. The companies contacted her while she was sorting through the bills and getting a handle on how to run the house alone, badgering her with his credit card debt.

She wasn’t liable for any of it, but if she had ever agreed to pay before finding out that she didn’t need to, she would have been considered to have taken on his debt and would have HAD to pay it. It’s slimy, it’s predatory, and it’s entirely legal for them to do this.

Ok, I'm not an estate lawyer disclaimer blah blah locations all have different laws blah blah BUT a couple months back I started to get overly worried I will likely die still owing money some day, with a negative "net worth" whateverwhatever. I only care that my niblings could get harassed about bills of mine, and I would HATE THAT.

What I found by doing a bunch of research, talking to a family lawyer I know, and a wealth planner, is accurate to what's up thread. Those who I am a debtor w/ can/will take what they can from "my estate." They can/will try to chase down payments.

But when said estate (lol) is all gone, that's it. They can TRY to contact my niblings about bills, but basically they'll just need to be like "Auntie who????" and/or ignore it fully and not pay a cent and they can't be held responsible.

You can go on estrogen and hide it, you don’t have to come out in order to go on estrogen. It’s easy to diy and most of the effects are subtle, if you’re particularly gifted with boobs that might be a concern but you’d be surprised how much a sports bra can hide.