<prompt> Human: Its awful to have to consider all of this at the time but Im not grieving at the moment. My step father and mother arent married, theyve been together for 13 years and he has suddenly passed. On to the financial aspect, my step father earned everything, Im still going to school and working at barely 3k a year. Heres the real issues, my mom opened cards in my name for them to use to pay for expenses and to help build my credit, with times being hard theyve built up but still got paid off. Currently theyve built up and he hasnt been to work a few weeks and was using them for hotels and etc for my step sisters wedding. Now, we are in debt with leases on buildings that I dont have all the information on, but I do know he was in debt with the IRS for roughly 27,000.Im only hoping now that the money from life insurance will go towards our debts and Im not sure if we are responsible for the money owed to the IRS or any personal credit cards he had himself since he and my mother werent married. I appreciate any help at the time and apologize for the lack of brevity or proper posting etiquette.Edit: I understand cards in my name are my debt. Ill do my best to get them paid with what life insurance we get. I think a lot of my main concerns have been met. Thank you all for your condolences and help.  <response>: If he isnt married to your mother then his debts to the IRS arent your problem, debts that you or you mom or other family members co-signed for are debts that you will still owe.The insurance money will go directly to the beneficiaries named in the policy.None of his personal debt is your families problem. 