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Depends on the State, however any deceased persons assess would be drawn down on their assets through probate. This means that if you held joint assets with the spouse; ie., home, banking, investment accounts, then what every value therein is up on the table for the creditors. In those States that have community property laws your at 100% risk of loss, however non-community states your risk is 50%.

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Q: Do you owe my deceased spouSE debt?
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