<prompt> Human: Not sure how any of this works when a family member dies, but was hoping someone here may know.I have not spoken to my mother in 10 years LSS, she is an evil, hateful person who i needed the shed from my life to make my own life better, she has never married and I am an only child.Over the past few years she is in her 50s her health has been going down hill. She has always had very good credit, pretty much only using it to make sure it stays in good standing or whatever.This woman hates me, from the moment I was born, she hated me. 33 years later she still tells everyone I ruined her life by being born. blah blah blah.She has always tried to negatively impact my life. Today, Christmas, I got news from an aunt, her sister, that my mother is racking up unreal debt. According to my aunt, she is over 100k in the hole suddenly buying cars, vacations, pointless personal loans, cash out refi of her home etc.I am worried she is doing this to rack up debt before she dies which could be anytime, and that this debt will go to me seeing as I am her only child, she is not married or ever has been and her parents are gone too. I am not sure how this works as outside of my grandparents, no one in my family has died in my lifetime. From what I understand, when my mother passes, her debt becomes mine and I know that is what she wants. If this is the case, and her debt would become mine, what could I do to protect myself and so on? she has no life insurance and refuses to get it because she wants me to pay to put her in the dirt as repayment for giving birth to me If these is anything I can or should do, any help would be great seeing as I live pay check to pay check and cant even take on an extra 50 bucks a month for even cable.Apologies in advance if this is not the correct sub, its just the only one I knew of where I might be able to get answers or advice on this particular matter.EDIT: thanks to those who responded and whoever tagged this post, forgot to. My mind is at much better ease now.EDIT 2: GOLD!? Thank you kind stranger! I hope this question puts others minds at east too.  <response>: Her debt, her problem.Unless you co-signed a loan with her, its not your responsibility. Rather, your then deceased mothers estate would be responsible for paying the debt. If theres not enough money in the estate, the debts will be left unpaid.Unscrupulous debt collectors may try to collect from surviving relatives, but that is illegal. The FTC is on your side and so is the FDCPA.If a debt collector tries to contact you after her death, do not provide them with any of your information. Rather, simply provide the executors contact info.Also, check your credit history to make sure loans are not being made using your information. 