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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

BONSALL (CNS) - A North County high school student was arrested on suspicion of making a specific threat to shoot up a planned school event, authorities reported Friday.Bonsall High School officials called the San Diego County Sheriff's Department around 10:40 a.m. Wednesday to report that a student possibly had a gun at the campus on West Lilac Road, sheriff's Lt. Ricardo Lopez said.Deputies responded and learned that the student "had made specific threats to commit a shooting at a planned school event in the near future," Lopez said. "These threats were substantiated through the investigation and after interviewing the suspect."NEWS HEADLINES: Vista school district votes to remove school resource officersDeputies searched the student and did not find a gun on him or anywhere on the campus, but they detained the boy and removed all known firearms from his residence, Lopez said.A second student was also possibly involved in the threat, but after further investigation Thursday deputies determined those claims were unfounded."There is no credible information that any other students are involved," Lopez said.NEWS HEADLINES: Police officials continue investigation into shooting at California high school that killed 2On Thursday morning, as San Diego County Sheriff's deputies were investigating the threat made at Bonsall High School, a 16-year-old boy allegedly shot five classmates at Saugus High School in Santa Clarita, northwest of Los Angeles.The shooting killed a 16-year-old girl and a 14-year-old boy, wounded three other students and left the shooter gravely injured from a self-inflicted gunshot wound. 1637

BOWIE, Maryland — Some students at Bowie High School in Prince George's County may face charges for a senior prank they pulled at the school last week.About 20 seniors stormed the school's hallways, taking part in what was meant to look like a school shooting.The seniors used fireworks and water guns and were wearing black masks, according to a letter from the school.The school was evacuated.One student was burned by the fireworks and also treated for an asthma attack.The father of that student was shocked to learn what had happened."I don't know what had to go through somebody's mind to pull of a prank like this in this day and age, so close to Parkland and two days later they had a shooting today down in Texas," said Steve Birckhead, father of the injured student. "These kids just weren't thinking."School officials say the students who participated in the prank will be held accountable to the fullest extent of the law. 952

BERLIN (AP) — The alarming surge in coronavirus cases in Europe and the U.S. is wiping out months of progress against the scourge on two continents, prompting new business restrictions, raising the threat of another round of large-scale lockdowns and sending a shudder through financial markets.“We are deep in the second wave,” European Commission President Ursula von der Leyen said Wednesday. “I think that this year’s Christmas will be a different Christmas.”Chancellor Angela Merkel says German officials have agreed to a four-week shutdown of restaurants, bars, cinemas, theaters and other leisure facilities in a bid to curb a sharp rise in coronavirus infections. Merkel and the country’s 16 state governors agreed on the partial lockdown in a videoconference on Wednesday. It is set to take effect on Monday and last until the end of November. Merkel said, “We must act, and now, to avoid an acute national health emergency.” Shops and schools are to remain open, unlike during Germany’s shutdown during the first phase of the pandemic in March and April. Restaurants will be able to provide take-out food.French President Emmanuel Macron announced a nationwide lockdown in a televised address Wednesday, with 58% of the country’s intensive care units now occupied by COVID-19 patients.The lockdown in France will begin Friday, however Macron said schools will remain open.French military and commercial planes are ferrying critically ill virus patients to other regions as hospitals fill up and French doctors have called on the government to impose a new nationwide lockdown.France reported 288 new virus-related deaths in hospitals in 24 hours Tuesday and 235 deaths in nursing homes over the previous four days. Both figures marked the biggest such rise since May.“(France has been) overpowered by a second wave,” Macron said in a national televised address Wednesday.“Nothing is more important than human life,” he added, noting that France has one of the biggest coronavirus rates in Europe currently.Countries such as Switzerland, Italy, Bulgaria and Greece have closed or otherwise clamped down again on bars and restaurants and imposed other restrictions such as curfews and mandatory mask-wearing.The setback is especially dispiriting in Europe, which after a devastatingly lethal spring seemed to have beaten back the virus over the summer and was seen as an example of what the U.S. could accomplish.The virus is blamed for more than 250,000 deaths in Europe and about 227,000 in the U.S., according to the count kept by Johns Hopkins University.More than 2 million new confirmed coronavirus cases have been reported globally in the past week, the World Health Organization said. That is the shortest time ever for such an increase. Forty-six percent of the new cases were reported in Europe. 2821

Beginning Sunday, NASCAR's Corey LaJoie's car will have a "Trump 2020" design painted on the hood.LaJoie's team Go Fas Racing tweeted a picture of what the car will look like when it takes to the track at the Brickyard 400 in Indianapolis. 247