<prompt> Human: Sorry if this sounds harsh, but Im worried that by some loophole if I have a sibling our parent die, I will be burdened with their debt because they did poorly in the financial aspect of life. The side bar talks a little bit about Inherited debt but I am still wondering. Can this actually happen?  <response>: If they pass, credit card collectorscompanies will start to call and they will try to convince you that it is your responsibility and even offer to do you a favor and put the cards in your name. Whatever they say is a lie. If your name is not on it, its not your debt. Period. Just send them certificate of death and tell them to stop calling. 