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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

BERLIN — The United States has formally left the Paris Agreement, a global pact forged five years ago to avert the threat of catastrophic climate change. The move was long threatened by U.S. President Donald Trump and triggered by his administration a year ago. It further isolates the United States in the world but has no immediate impact on international efforts to curb global warming. Some 189 countries remain committed to the 2015 accord, which aims to keep the increase in average temperatures worldwide “well below” 2 degrees Celsius compared to pre-industrial levels. Scientists say that any rise beyond 2 degrees Celsius could have a devastating impact on large parts of the world, raising sea levels, stoking tropical storms and worsening droughts and floods. 779

Body camera footage recorded following the Toronto Raptors' 2019 NBA Finals win shows that a California sheriff's deputy shoved Raptors team president Masai Ujiri prior to a scuffle that's led to a lawsuit.Ujiri's legal team released the video, recorded from the body-worn camera of Alameda County Sheriff's Deputy Alan Strickland on Tuesday.The video shows the Raptors team president reaching for his credentials as he attempts to walk onto the court to celebrate following his team's Finals-clinching Game 6 114-110 win over the Golden State Warriors in Oakland. A moment later, Strickland shoved Ujiri and told him to "back the (expletive) up."Ujiri asked why he'd been pushed, and explained that he was the president of the team and that was trying to get on to the court to celebrate. Video released by KTVU-TV in San Francisco shows the deputy shoved Ujiri again before a scuffle ensued.Warning: The video below contains explicit language. 953

BROWARD COUNTY, Fla. - Two brothers who share the same last name, now share a rap sheet in Broward County for crimes committed on the same high school campus.FULL COVERAGE: Parkland school shootingZachary Cruz, 18, who currently lives in Palm Beach County, was arrested by deputies on Monday for trespassing on Marjory Stoneman Douglas High School’s campus. Cruz is the younger brother of the accused Stoneman Douglas gunman, Nikolas Cruz, who was charged with 17 counts of murder after allegedly shooting and killing staff and students on Valentine’s Day. 564

BIRMINGHAM, Mich. (WXYZ) — A 15-year-old who was sent to a detention center for not completing schoolwork will be released from custody to her mother.The Michigan Court of Appeals made the ruling Friday.Grace had gotten into legal trouble last year, and as one of the conditions of her probation, she had to attend school and complete classwork, which her mother tells ProPublica her daughter was doing until the pandemic hit. She was ordered to a juvenile detention center for violating probation after not completing online coursework.Oakland County Judge Mary Ellen Brennan ruled on July 20 to keep Grace in detention after violating probation by failing to complete online school work.Brennan said she had to consider the actions that placed Grace on probation to begin with. Last fall, arguments between the teen and her mother turned violent. The judge says the mother was the victim and the daughter the aggressor.ProPublica, a nonprofit publication, brought attention to Grace's story."This is a student with disabilities who was struggling with remote learning situation and ended up in detention because of that," said Jodi Cohen, a reporter with ProPublica Chicago."In school the student gets one-on-one support from teachers and is allowed extra time to complete assignments because of (ADHD) and other disabilities," Cohen said.Without that support and the daily structure she was used to, Grace struggled. So she reached out to her special education teacher, "to say she needed help and that one-on-one tutoring began the day after the violation against probation was filed against her," Cohen said.ProPublica's investigation also found the situation may have been influenced by race in addition to Grace's learning disabilities. Grace is Black. "The case may also reflect, some experts and Grace’s mother believe, systemic racial bias. Grace is Black in a predominantly white community and in a county where a disproportionate percentage of Black youth are involved with the juvenile justice system," the ProPublica investigation stated.The following statement was released on behalf of Grace's mother:"She is enjoying her daughter being home, and will determine her and Grace’s interest in speaking publicly next week. In the interim, they are both extremely and deeply appreciative of the outpouring of support from around the country, and for Grace’s release; she is anxious to be with her family."View the full order from the Michigan Court of Appeals below:Release order for Grace on Scribd 2518

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