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Who is a personal representative and what are their duties?

A personal representative is usually the named Executor of the deceased’s Will. When a person dies without making a Will, the personal representative is the person a grant of administration has been given to. It is the duty of the personal representative to pay off all debts of the deceased and if this is not done then they may be liable to pay money back into the estate. In order to avoid this, it is advised that the personal representative should apply for an Insolvency Administration Order.

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Will I have to pay my loved ones debts?

No. However, it is a common misconception amongst people is that when a person dies their debts disappear but this is not the case unless otherwise stated. When a person dies their debts are paid for

When is Probate required?

The Probate process is needed when investments (typically over £5,000) were held in the deceased’s sole name and the banks, building societies and other organisations request for a Grant of Probate/Le

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