My elderly mother passed away last week and has depleted her life savings for caregiver expenses over the last 2 years . She has about $ 2 , 000 left in all accounts . She has one Visa account with an $ 11 , 000 balance ( due to UN - reimbursed medical equipment , drug expenses ) and another Master card account with a $ 9 , 000 balance ( also due to medical expenses ) . She had a living trust and my sister is the Trustee . She owned her own home ( title was in the Trust ) but had a reverse mortgage on it ( no cash out , it just extinguished the forward mtg ) and there is little equity in it . My brother is going to inherit it and refinance the loan into a forward mortgage in his own name . Who , if anyone , is responsible for the 2 credit card debts ? The estate does not have the $ to pay them .