You should consider filing a Disposition without Summary Administration. Call the Clerk of Court in the County in which the decedent passed away. The life insurance policy will likely not be part of the estate since the decendent selected beneficiaries.
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Sorry for your loss.
A life insurance policy with named beneficiaries will pass outside probate. If the only asset is clothing, you do not need to open a probate. The bank accounts pass to the other two account holders and therefore pass outside probate. You should record the death certificate with the clerk's office in the county where the deceased lived. The cost should be about $10.
As to the credit card, the deceased's estate is responsible for paying the debit. You should contact the credit card company to notify them that the account owner is deceased. You will probably have to send them a copy of the death certificate and a letter stating that the estate is without funds and that a probate will not be opened. If the estate is without funds, the debit will not be paid back. That being said, if there was enough money in the checking account to cover the debit, you should consider paying it. You are not legally obligated to pay the debit, if you did not make any of the charges, the account was solely in the deceased's name, the bank account passed to the surviving account holders, and the rest of the deceased's estate is without funds. Keep in mind that any and all unpaid debit just eventually contribute to the rest of us paying higher fees and interest rates.
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I don't think you need to do anything. The will does not need to be probated. There is nothing in the estate to probate. As the other attorneys have said, the life insurance and checking account transfers by operation of law and not by probate. Leave the debt alone. There is nothing in the estate with which to pay it. Even so, after two years the debt is barred from enforcement by law even if it could be collected. If the credit card debt was owed only by the deceased then only the deceased estate is liable to pay it and there is nothing in the estate. I don't even think you have to record the death certificate since there was no real property. If there was any value to the estate (jewelry or collections of some kind) the value of them would go first for the reimbursement of the relatives for the funeral expenses.
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