<prompt> Human: A bit of background - we own the house we currently live in, and have around 100,000 left to pay on the mortgage. Since my dad passed we discovered he had been hiding huge credit card debts from us amounting to around 50,000. They are all in his name only, and are not secured against our house. In the mean time we discovered the will and a life insurance policy. The will states that essentially who ever died first would inherit the house, i.e. my mother, and the life insurance stated that whoever died firsts spouse would receive a 100,000 pay out. Ideally we would use the insurance pay out to cover the mortgage, but now we are worried that the credit card companies are going to come after us for the money he owed. Are they able to do this even though the debts are not in our name, and not secured against the house?  <response>: rlegaladviceuk might be a good place to cross-post this. 