I have been her care-giver for the past year and am living in her house. I am not an official 'renter', but have been helping her with the house payments. There is a large upside-down mortgage and I am not interested in taking-over payments or buying the house. I am afraid to inform creditors that she has passed out of fear that they may come after me.
I really just need to know what my responsibilities are in terms of her debt.