What happens to debts when we die is something most of us don’t really want to have to consider. But it’s a topic that【C1】_____much confusion, both in life and after death. And it’s one that can have a huge impact on those we【C2】_____.

We asked an expert at debt charity Step Change what happens to your credit card debts if you die and whether your family members【C3】_____them from you. It is sometimes said that “your debts die with you,” but【C4】__that isn’t always the case. Sometimes creditors will voluntarily【C5】__or choose not to【C6】_____the debts of a deceased person, but they don’t have to.

【C7】_____debts may be covered by insurance policies—but if not, they will still be outstanding. If a debt is in joint names, responsibility will automatically pass to the【C8】__account holder.【C9】__credit cards aren’t【C10】__in joint names—an “additional cardholder” won’t【C11】_____responsibility for a credit card debt if the account holder dies.

Any outstanding debt owed by the deceased person at the time of their death will be repaid from the 【C12】________of their estate as part of the probate process.

If this isn’t【C13】_____to repay all the debts, the estate is insolvent and could be【C14】_____an “insolvency administration order,” which is a kind of bankruptcy for a deceased person’s estate.

A trustee will be【C15】_____to distribute the proceeds of the estate fairly between all the creditors.【C16】__a creditor or the representatives of the deceased person can【C17】__an insolvency administration order. 【C18】__the estate has been【C19】__, relatives have no responsibility for any【C10】_____debts.

【C13】