Sister and brother in law both passed. House in both their names only is children responsible for mortgage ? No will. House in forclouser

Hi my name is Sherrie. My sister
brother in law have both passed.
They had no will. Their house is in
foreclosure. Are their lids
responible for the balance on
house. House is only in my sister
and brother in-laws names

Asked on November 30, 2018 under Estate Planning, Florida

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 1 year ago | Contributor

No, their children are NOT responsible for the mortgage unless they cosigned or guaranteed it: debts are not inherited. They have no responsibiity to pay for their parents' debts/mortage except if they agreed to be responible. If your nephew is sued improperly, he will still have to defend against the suit (failing to defend means you lose by default, or automatically, even if the case was not one that ever should have been brought) but can and should countersue the lender for bringing a frivolous or baseless case (the exact name of a suit for frivolous litigation varies by state). 
The above said:
1) The lender can foreclose on the house if the mortgage is not paid. They can and probably should name your nephew in the foreclosure suit NOT for money--he does not owe--but because as someone who stands to inherit the house, he is entitled to notice of the lawsuit and a chance to try to assert or protect his interest in the home (such as by voluntarily paying off the mortgage, if he chooses). So while he can't be sued for money, he should be name in the foreclosure action to give him the chance to do something if he wants. (If he doesn't care about or isn't willing to pay for the house, he can officially give up any claims to it and let the foreclosure case proceed.)
2) While the children are not responsible for the mortgage (or other debts of their parents), the "estate," or what the parents left behind is: so the estate can be sued, and money which the children would otherwise inherit can be used to pay the mortgage or other debts.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.