<prompt> Human: My mother has a brain tumbor and does not have much time left. She is in a lot of debt and Im worried it will all be passed down to me. Is this the case?  <response>: UK debt advisor here.Debt cannot be passed to a spouse or child. All the creditor can do is apply for the debt to be repaid out of the deceaseds estate, if there is one. If there is no estate then the creditor will simply write it off upon receipt of a copy of the death certificate. Some creditors may sell the debt to a recovery agency who COULD call you and use clever language to convince you that you are liable, without explicitly stating so, be warned. 