I'm sorry to read about your Father's passing. I don't think you're going to get a qualified "Yes" or "No" to your Q in this format. Before doing any of the steps or work I'm suggesting: IF there is an attorney for the estate, ask him or her for advice or opinions. If the attorney does your "leg work", the fee for services will probably increase. I truly believe you should communicate with the creditors via e-mail, "snail mail" and telephone with every one of your Father's creditors. With today's voice mail and "hoops and hurdles" phone options, this may be very trying, challenging and aggravating. Keep a cool, pleasant and courteous attitude. You are "on a mission": It's to retain as much of your Father's estate as possible for you, the other members of your family and every other person of interest in your Father's estate.. To make sure "EVERYONE is on the same page" and paragraph, set up a telephone log. This is going to be your "bible and exclusive proof of ALL your actions. Use a separate sheet of paper for each creditor. 1) Each company's name, phone number, as well as the account number and balance owed. 2) Make notes of the dates and times you called, 3A) Prepare a "pitch" as to what you are going to say. 3B) You DO NOT want to make arrangements with a receptionist or phone operator. You NEED someone with the authority to say "Yes" ir "No". Just like you, that person has a job to do, too. Within reason, whatever it is he or she wants, accommodate him or her. 3C) Make note of the name (phonetic pronunciation) and title of the person you spoke with 3D) The correct spelling including his or her direct number or extension. 3E) The correct spelling and the mailing address where you are going to send any and all follow-up correspondence. 4) A very old, yet true saying in real estate, law and finance: "When it isn't in writing, it simply doesn't exist." Write down ALL the terms you and they agreed to. 4B) Ask for those arrangements, pay-ff, terms, etc. in writing - in the form of an e-mail or "snail mail". That person or some of those people might want a copy of the Certificate of Death. Ask if he or she will accept a fax or would the creditor prefer "a hard copy". Thanks for asking your Q! I enjoyed answering it! VTY, Ron Berue Yes, that is my real last name! Sources: My wonderful family! In the real estate business over 34 years in Pennsylvania. THE ABSOLUTE BEST, MOST WONDERFUL real estate investment group in the world, which I was very proud to be a member of! "THE University of Hard Knocks" also known as ("a/k/a") "life's valuable lessons"