I thought that creditors by law got first crack at the estate before heirs did. Is that not the case?
Depends on the laws of your state. Also depends on the size of everything. All the estates I’ve helped cleanup were small enough to get parted out before the creditors even got to find out. With everything closed they got death certificates and no cash. Of course nobody was owed more than a couple grand so they just wrote it off. Qwest was the worst, they just could not wrap their heads around “she’s dead turn the phone off” then they spent years hassling me for the money for the months they wouldn’t turn it off. Kept telling them if they’d turned the phone off the first time I told them to and sent a certificate nobody would owe them anything.