Are we morally obligated to pay the debts of the deceased?

Jim Langston

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Before my mother passed away it was her intent that her debts pass away with her. After my mother died I helped my father resolve my mother's debt and he paid it off, as he felt it was his moral responsibility to do.

My older sister just passed a way recently and, like money always does, problems arise. Now a question came up. My sister's estate was under the amount required by law for probate, therefore her funds were evenly disbursed between us three surviving siblings. My youngest sister asked about splitting up her debt and paying it.

I would agree to split any expenses after her death, funeral, etc... and pay off rent, hospital, gas etc...closing accounts, but I would not pay a dime to any credit cards or banks.

My explanation: Not a borrower nor a lender be. [Edit: That is from Shakespeare not God and was my error] I do not borrow money, in fact I try to remain debt free as ordered by not a borrower nor a lender be. For me to pay a lender when I don't legally have to (she had under minimum required) I almost consider a sin. I will have no part in other's borrowing and lending.

It is my understanding that if someone has little money left, under 150k, they would just let the survivors have it and not pass on the debt, and I agree with that legally and moralistically.

I told my sister that for someone who ignored the order not to borrow or lend, good luck with that.

Opinions?

Edit: Conclusion is I was wrong, not a borrower nor lender be is Shakespeare,not God. The credit card debts should be paid from my sister's estate. However, since my younger sister is the executor and took off with the majority of the money, in this case I am not morally or legally obligated to pay.
 
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Kit Sigmon

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Romans 13:5-8.

Whatever property etc...sell it off and pay the deceased family
member's debt(s). If there's money...use it to pay debt.

I wouldn't take no money from the relative estate if there be debts that
haven't been paid.
Not just saying this to sound like a goody-goody either,
I've actually done it.
The debt(s) should be paid off before any money be given to the
heirs.
 
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Hank77

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Boy, I hadn't thought about it much. If a husband/wife of coarse one would pay the debt.

I reason I need to think about it is because I know, or am pretty sure, banks carry insurance for this purpose. I feel like I should just know but I'm conflicted. I need to pray about this.
 
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football5680

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I don't think we are morally obligated to pay the debts of the deceased from our own pockets, but if they have money left over or property that can be sold, then this should be used to cover the debt before anything else goes to their relatives.
 
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Sarah G

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I will have no part in other's borrowing and lending.

As you thoroughly disagree with the lifestyle led by your sister in borrowing money, perhaps you shouldn't take any of her money. Let the money be divided between your other siblings and let them make the decision regarding which debts to pay.
 
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Divide

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Interesting question. I guess I'd prolly pay it off if it was immediate family, like my wife's or something. But other than that I'm not sure that I recognize a moral responsibility to pay it. Wherein does the obligation arise?

Seems like the right thing to do? Hmmm. In today's economy that would be rough to take on anothers debts. If I were flush then why not? But I'm not. There's too many variables to create an obligation that is clear cut. Immediate family? Extended family? A cousin that you didn't associate with anyway for whatever reason? I do know one thing. The CC company isn't going to lose any money even if you don't pay it. They have loss insurance and all sorts of things. If you do pay it, they might collect twice because of that. Would they call you up and say here's your money back? No. It's not like they could come after you for it and assign the debt to you.

I think that if your conscience bugs you about it, that you could go give that much money to the church or help someone needy with it and it would go further towards doing what is right on earth.
 
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Hank77

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As you thoroughly disagree with the lifestyle led by your sister in borrowing money, perhaps you shouldn't take any of her money. Let the money be divided between your other siblings and let them make the decision regarding which debts to pay.
That is a great idea. Then everyone's conscience is clear.
 
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Hank77

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I would agree to split any expenses after her death, funeral, etc... and pay off rent, hospital, gas etc...closing accounts, but I would not pay a dime to any credit cards or banks.
Here's the thing. You are not paying the credit cards or banks because it's not your money. It's your sister's money that is paying the debt that she owes.
 
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Divide

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I would have more of an inclination to pay off the debts to personal friends or family that were present, but not so much the corporate debts. They operate on a cut-throat system which is designed to take maximum advantage over the customer. Who here hasn't been screwed by a corporate entity at some point in their life? But the deceased's money could probably easily be needed and used very much by the family. So perhaps a greater moral obligation lies to the family because it will help them to live?

This may be wrong on it's face, but nevertheless it's a viable consideration. To me at least.
 
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GeorgeJ

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Pay off the debt(s), then divide up the money. If they still insist on dividing up the money before paying off the debts, then don't take the money since you do not believe it's right to contribute to any debt you personally don't feel like paying.
 
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Phil 1:21

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Yes, the assets of the deceased should pay their debts. That being said, if their debts exceed their assets then it is not your obligation to go into your pocket to pay the remaining debt incurred by someone else.
 
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Jim Langston

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Is it fair to the person/organisation owed the money, that they should lose because someone died?

I think there is an obligation to pay the debt. It seems like theft to refuse.

Consider, if a their lived by stealing from my sister every week and she dies so he didn't get to steal the money that week should he be paid for that week?

Now, how is making money in a way God said not to any different than theft, and is fact, isn't that why God said don't do it? Usuary is wrong.
 
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Jim Langston

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Is it fair to the person/organisation owed the money, that they should lose because someone died?

I think there is an obligation to pay the debt. It seems like theft to refuse.

God pretty much says it is theft to charge usary. You are claiming it s theft not to pay it. Ceasar has already said I do not have to pay it. God says my sister shouldn't of had these debts in the first place.

How can it be theft no to pay a theif?
 
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Phil 1:21

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Consider, if a their lived by stealing from NY sister every week and she dies so he didn't get to steal the money that week should he be paid for that week?

Now, how is making money in a way God said not to any different than theft, and is fact, isn't that why God said don't do it? Usuary is wrong.

Unless she was the victim of financial fraud, no one was stealing anything from her. She willingly entered into a contractual obligation, as did her creditors. The only ones here stealing are her heirs if they do not use the assets of her estate to settle its debts.
 
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Jim Langston

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As you thoroughly disagree with the lifestyle led by your sister in borrowing money, perhaps you shouldn't take any of her money. Let the money be divided between your other siblings and let them make the decision regarding which debts to pay.

Proverbs 13:22 A good man leaveth an inheritance to his children's children: and the wealth of the sinner is laid up for the just.

Ecclesiastes 2:26 For to the one who pleases him God has given wisdom and knowledge and joy, but to the sinner he has given the business of gathering and collecting, only to give to one who pleases God. This also is vanity and a striving after wind.

Proverbs 28:8 Whoever multiplies his wealth by interest and profit gathers it for him who is generous to the poor.

It would be disrespectful to God to refuse the money He has worked to give me. When I get the money 10% goes to God, 10% goes to the poor. If I do not take the money it remains in the hands of the unrightous.

That being said, I was originally going to refuse the money because of another siblings greed. But then I was going to share it with my two sons, so that portion is theirs, I can not give away someone else's money. I am paying 20% to God and the poor, that is money that is not mine, it is God's and the poor's. Mine is only 33% of 80%.

Now, given that some of this money s God's me me rephrase the question: Is it proper to take money that should go to the poor and God and use some to pay money lenders?
 
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