Do you lie awake at night wondering how to get out of debt – and does the stress seem to grow every month?
Are you worried sick at the thought of leaving behind a mountain of debt to your spouse and your family?
You’re not alone. According to, 38% of American workers say they have a problem with debt – and 13% regard it as a “major problem.” In fact, 21% of people believe that they will not be able to pay off their debts within their lifetime.
That’s right, 1 out of every 5 Americans will be leaving behind a legacy of debt when they die. Are you afraid that you might be part of this group?
Most people want to leave behind warm memories, along with the assets that they’ve worked their whole lives for – and that can make life better for the people they love. No one wants to think about their grieving family members sorting through documents, selling the family home, and downgrading their quality of life because of debt.
So what happens to debt after you die?
Typically, the deceased person’s estate must pay back the obligations. Whomever you name as the executor of your estate will have to sell your assets in order to settle as much of your debts as possible. While your children won’t have to pay back your debt from their own pockets, they also won’t receive any of your assets.
But be warned: there are several exceptions to this rule, which should concern you especially if you are married. These may include:

  • Co-signed debts, which include most mortgages, remain the responsibility of the living co-signer
  • Debtors who live in community property states, which include Arizona, New Mexico, Nevada, Texas, California, Idaho, Louisiana, Washington, Wisconsin, and sometimes Alaska
  • Spouses, under state laws that require payback of certain types of debt – such as medical debt

Could your spouse or other family members be stuck paying your debts for decades? Can you imagine lying on your deathbed, knowing that you could have changed the situation that now faces your family – but you did nothing instead?
This article isn’t meant to scare you. But staying in denial about your financial situation can have dire consequences, not only for you, but for everyone that you love.
Sure, you can keep your head in the sand – or you can make a choice today to leave a legacy of responsibility, not debt. You can take action to improve your family’s financial status, now and for years to come by talking to an Arizona Estate Planning Lawyer today.
You CAN get out of debt before you die – long before you die – and the Zolman Law can help. We can show you how to get out of debt. Everything that you’ve worked so hard for throughout your life should be left to your family, not grabbed up by your creditors and sold off on the auction block. We are 100% certain that we can help you get relief from your burden of debt.
If you are worried and wondering how to get out of debt, there IS a light at the end of the tunnel. Zolman Law has helped thousands of people just like you get out of debt. Are you ready to pull your head out of the sand? All it takes is one click: