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Blogger John Schmoll’s father left a financial mess when he died: a house that was worth far less than the mortgage, credit card bills in excess of ,000—and debt collectors who insisted the son was legally obligated to pay what his father owed.Fortunately, Schmoll knew better.“I’ve been working in financial services for two decades,” says Schmoll, an Omaha, Nebraska, resident who was a stockbroker before starting his site, Frugal Rules. “I knew that I wasn’t responsible.”Baby boomers are expected to transfer trillions to their heirs in coming years. But many people will inherit little more than a pile of bills.Nearly half of seniors die owning less than ,000 in financial assets, according to a 2012 study for the National Bureau of Economic Research. Meanwhile, debt among older Americans is soaring. It used to be relatively unusual to have a mortgage or credit card debt in retirement. Now, 23 percent of those older than 75 have mortgages, a four-fold increase since 1989, and 26 percent have credit card debt, a 159 percent increase, according to the Federal Reserve’s latest data from the 2016 Survey of Consumer Finances .If your parents are among those likely to die in debt, here’s what you need to know.You (probably) aren’t responsible for their debts. When people die, their?debts don’t disappear. Those debts are now owed by their estates. Some estates don’t have enough assets (property, investments and cash) to pay all of the bills, so some of those bills just don’t get paid. Spouses may have the responsibility for certain debts, depending on state law, but survivors who aren’t spouses usually don’t have to pay what’s owed unless they co-signed for the debt or applied for credit together with the person who died.What’s more, assets that pass directly to heirs often don’t have to be used to pay the estate’s debts. These assets can include “pay on death” bank accounts, life insurance policies, retirement plans and other accounts that name beneficiaries, as long as the beneficiary isn’t the estate.“You take it and go home,” says Jennifer Sawday, an estate planning attorney in Long Beach, California.You need a laywer. Some parents hope to avoid creditors or the costs of probate, which is the court process that typically follows a death, by adding a child’s name to a house deed or transferring the property entirely. Either of those moves can cause legal and tax consequences and should be discussed with a lawyer first. After a parent dies, the executor must follow state law in determining how limited funds are distributed and can be held personally responsible for mistakes. That makes consulting a lawyer a smart idea — and the estate typically would pay the costs. (The costs of administering an estate are considered high-priority debts that are paid before other bills, such as credit cards.)At his attorney’s advice, Schmoll sent letters to his dad’s creditors explaining the estate was insolvent, then formally closed the estate according to the probate laws of Montana, where his dad had lived.A lawyer also can advise you how to proceed if a parent isn’t just insolvent, but also doesn’t have any assets at all. In that situation, there may not be a reason to open up a probate case and deal with collectors, Sawday says.“Sometimes, I advise clients just to lay the person to rest and do nothing,” Sawday says. “Let a creditor handle it.”You need to take meticulous notes. The financial lives of people in debt are often chaotic — and sorting it all out can take time. As executor of his dad’s estate, Schmoll dealt with over a dozen collection agencies, utilities and lenders, often talking  to multiple people about a single account. He kept a document where he tracked details such as the names of people he talked to, dates and times of the conversations, what was said and required follow-up actions as well as reference numbers for various accounts.You shouldn’t believe what debt collectors tell you. Some collectors told Schmoll he had a moral obligation to pay his father’s debts, since the borrowed money might have been spent on the family. Schmoll knew they were trying to exploit his desire to do the right thing, and advises others in similar situations not to let debt collectors play on their emotions.“Just don’t make a snap decision, because it’s very easy to say, ‘You know what? I need to think about it. Let me call you back,’” Schmoll says.This article was written by NerdWallet and was originally published by The Associated Press. More From NerdWallet 4587

Born in Arizona but transplanted to the coastal city of San Diego, is Goose. "It was brought to the school bus sales lot so we literally picked it up on it's last day of school." It's a school bus turned tiny home in the making and behind it, is local Navy couple, Sydney and Fabrice Gutierrez."People are taking retired school buses and converting them into tiny homes versus standard RV's. It's customized and you could build it into everything you want or need it for," said the couple. A school bus on wheels, they said, was a better bet than the average home on wheels, "They're a lot safer than regular RVs if you think about it. Their whole purpose was carrying kids back and forth year after year, so it's a lot safer," said Sydney.The duo planned to spend more time working on their tiny home, but COVID-19 gave them a detour, "A lot of things we had lined up that we thought were going to help us fell through, and weren't possible."There were on a waiting list to store the bus somewhere to work on it but not as many RV's were leaving their spaces, forcing the couple to work faster and downsize from their Little Italy apartment to their tiny home, sooner."There are stories of people who have gone from 2 to 3 thousand square foot homes to 200 square feet." Not only will it be smaller, but much cheaper than your average home in San Diego. They said the project, running them under ,000, is friendly for their pockets and the environment. "It's really resourceful to use old cars that would probably sit on a lot and rot forever."The couple said the tiny home "bussie" community is getting more popular with so many people able to work from practically anywhere. 1688

BONITA, Calif. (KGTV) - California Highway Patrol officers are investigating a wrong-way crash on the Eastbound lanes of Highway 54 near the 125. The crash happened just after 8 p.m. Friday and reduced traffic to one lane. All lanes reopened shortly before 11 p.m. CHP believes the driver of a red Toyota Corolla was driving the wrong way and crashed into a white BMW carrying a mother and two children. One of her children was eight years old; the other was less than a year old.RELATED:Woman critically injured in Logan Heights crashLawsuit filed over deadly wrong-way crash on I-805Mother sentenced for DUI crash that injured 3 childrenThe mother was taken to the hospital with a broken leg. The children are okay, according to the CHP. The driver of the Corolla was not wearing a seat belt and was partially ejected. He was taken to the hospital. CHP is investigating if drugs or alcohol were a factor in the crash. 927

BORDEN, Ind. — A plane crashed Friday morning in southern Indiana, killing multiple people. According to WHAS, the ABC affiliate in Louisville, the crash happened in Borden, Indiana at about 11:30 a.m., in the 2600 block of Crone Road. The plane that crashed could hold about 10 passengers, Clark County Sheriff Jamie Noel said. No survivors have been located at this time, Noel said. The sheriff's office said there were multiple fatalities, WHAS reported.He said it was very difficult to access the scene of the crash due to it being in a wooded area.  582

BEIRUT (AP) — Lebanese officials targeted in the investigation of the massive blast that tore through Beirut sought to shift blame for the presence of explosives at the city’s port, and the visiting French president warned that without serious reforms the country would “continue to sink.” The blast, which appeared to have been caused by an accidental fire that ignited a warehouse full of ammonium nitrate at the city’s port, rippled across the Lebanese capital, killing at least 135 people, injuring more than 5,000 and causing widespread destruction. It also may have accelerated the country’s coronavirus outbreak, as thousands flooded into hospitals in the wake of the blast.French President Emmanuel Macron visited Thursday amid widespread pledges of international aid.Macron, who viewed the devastated port and was to meet with senior Lebanese officials, said the visit is “an opportunity to have a frank and challenging dialogue with the Lebanese political powers and institutions.”He said France will work to coordinate aid but warned that “if reforms are not made, Lebanon will continue to sink.”The head of Lebanon’s customs department meanwhile confirmed in an interview with LBC TV late Wednesday that officials had sent five or six letters over the years to the judiciary asking that the ammonium nitrate be removed because of the dangers it posed.But Badri Daher said all he could do was alert authorities to the presence of dangerous materials, saying even that was “extra work” for him and his predecessor. He said the port authority was responsible for the material, while his job was to prevent smuggling and collect duties. 1652

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