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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

BUFFALO, N.Y. - At a house in Buffalo, you'll find a resource to help neighbors in need."I think Buffalo really has the chance and ability to want to really come together and put some positivity into the air right now you know?" said Jessie Reardon.Reardon is the woman behind the Buffalo Community Fridge. She's also a registered nurse at Roswell Park Comprehensive Cancer Center.The fridge is for anyone who needs fresh produce, baby food, or even a pre-packaged meal. She got all the logistics together starting in July and put the fridge out last week.Reardon said the fridge was a donation from a friend. Since then, a few others have offered to find fridges for the effort."The ultimate goal is to for there to be refrigerators all over the city, in every neighborhood, all over. Spreading mutual aid giving food to people that need it," said Reardon.It's a resource critical to Buffalo's east side, which is considered a food desert."It's hard to get fresh fruit and the natural resources that our families need for their children, so they have the proper nutrition," said Pastor Dwayne Jones, with Mt. Aaron Missionary Baptist Church.Pastor Jones, an advocate for getting produce to food deserts, said there's only one supermarket on the east side.He's been working on a local, state, and federal level to get more supermarkets to that area."We need a supermarket down on this part of the east side," he said. "Everybody needs an apple, fresh milk, everybody needs fresh milk, fresh produce."Right now, Reardon wants other people to get encouraged to host a refrigerator themselves, and she is more than willing to help them get started."Anyone can do this, absolutely. It is anyone's project, it's just as much as your project as it is my project," she said.Any food items are accepted, except for raw meat or seafood. And if you prepare a meal at home, she asks that you list the ingredients and put a date on it.This story was first reported by Ala Errebhi at WKBW in Buffalo, New York. 2005

Beyoncé sent a letter to Kentucky Attorney General Daniel Cameron on Sunday, demanding justice for Breonna Taylor.Taylor was shot and killed in her home on March 13 after police executed a no-knock warrant during a narcotics investigation. Taylor's boyfriend fired at police, thinking they were intruders. Police then returned fire, shooting and killing Taylor. No drugs were found in the home.Last week, the city of Louisville banned the use of no-knock warrants with "Breonna's Law." Later, Sen. Rand Paul, R-Kentucky, introduced legislation that would ban no-knock warrants across the country.However, for Beyoncé, that's not enough. In her letter, she asked that the officers involved be held accountable for their actions. She mentioned that no arrests have been made in connection with Taylor's death, and the officers involved still have their jobs with the Louisville Metro Police Department (LMPD).Beyoncé asked for three things in her letter. Those are:Bring criminal charges against the police officers involved in Taylor's death: Jonathan Mattingly, Myles Cosgrove, and Brett HankisonCommit to transparency in the investigation and prosecution of these officers' criminal conductInvestigate the LMPD's response to Breonna Taylor's murder, as well as the pervasive practices that result in the repeated deaths of unarmed Black citizens"With every death of a Black person at the hands of police, there are two real tragedies: the death itself, and the inaction and delays that follow it. This is your chance to end that pattern," Beyoncé wrote. "Take swift and decisive action in charging the officers. The next months cannot look like the last three."The full letter can also be found on Beyoncé's website.This story was originally published by Julia Marshall on WTMJ in Milwaukee. 1800

BALTIMORE, Md. – Justice Ruth Bader Ginsburg has been admitted to a hospital for treatment of a possible infection.According to a Supreme Court statement obtained by NBC and CNN, Ginsburg was admitted to The Johns Hopkins Hospital in Baltimore early Tuesday morning.The 87-year-old was initially evaluated at Sibley Memorial Hospital in Washington, D.C. Monday night after experiencing a fever and chills, says spokeswoman Kathleen Arberg.At Johns Hopkins, the court says Ginsburg underwent an endoscopic procedure to clean out a bile duct stent that was placed last August.The justice is resting comfortably and will stay in the hospital for a few days to receive intravenous antibiotic treatments, according to the court.At a press conference at the White House on Tuesday, President Donald Trump said that he wishes Ginsburg "all the best." 851

BOULEVARD, Calif. -- Crews are investigating what caused a fire to erupt at a school in Boulevard Monday afternoon.The fire happened at Clover Flat Elementary School in boulevard around 3 p.m., according to Cal Fire. It took firefighters less than an hour to extinguish the flames. The fire completely destroyed the classroom. The fire damaged several outbuildings on campus. The cause of the fire is under investigation, Cal Fire said. 449

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