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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

Bayer announced on Thursday a voluntary recall of Alka-Seltzer Plus products sold after February 9, 2018 at retailers nationwide.The affected products can be identified by checking the Bayer logo located on the lower left corner of the front of the carton. If the logo has an orange or green background, the product is included in the recall.The products were sold in the U.S. at Walmart, CVS, Walgreens and Kroger (including Dillons Food Stores, Fred Meyer, Fry's Food Stores, Ralphs, King Soopers and Smith's Food and Drug)."The ingredients listed on the front sticker of the carton may potentially be different from the ingredients listed on the back of the carton," Bayer said in a statement. "This may lead consumers to ingest a product to which they may have an allergy or anaphylactic reaction, an ingredient which may be contraindicated for their medical condition or they intend to otherwise avoid. There may be potential for serious health consequences. To date, no complaint has been received that resulted in an adverse health consequence."Consumers are encouraged to stop using the product and contact Bayer for a refund.  1178

BAR HARBOR, Maine (AP) — A proposal from lawmakers in New England and California to give free access to national parks to wounded veterans is poised to become law. The Wounded Veterans Recreation Act has passed the U.S. House of Representatives after previously passing the U.S. Senate. Maine Republican Sen. Susan Collins, New Hampshire Democratic Sen. Jeanne Shaheen and Democratic California Rep. Raul Ruiz proposed the law. The lawmakers say the bill is designed to change the 2004 Federal Lands Recreation Enhancement Act to make veterans with a service-connected disability eligible for a free lifetime pass to U.S. national parks. 645

Before he was set to face his former team, Baltimore Ravens wide receiver Dez Bryant has tested positive with COVID-19 and will not play against the Dallas Cowboys.Bryant, who confirmed the news himself on Twitter, said he was pulled from warmups about 30 minutes before kickoff to get tested for COVID, which came back positive."Tell me why they pull me from warming up so I can go get tested... my s*** come back positive... I tested positive for Covid WTF."According to Dallas Cowboys beat writer Nick Eatman, Bryant was scratched from the game with an illness.After tweeting he had tested positive for COVID-19, Bryant said he was done for the season."Yea I’m going to go ahead and call it a quit for the rest of the season... I can’t deal with this," Bryant tweeted. 779

BROKEN ARROW, Okla. — An Oklahoma woman's post on social media is going viral after she said she took her dog to a PetSmart store to get groomed only to learn it suffered a broken jaw."I'm very emotional," Tania Lara, the owner of the dog, said. "I feel scared."Lara says in her Facebook post that about an hour after she dropped off her dog Susie to get groomed at PetSmart on Hillside Drive in Broken Arrow, Oklahoma, she received a phone call from a store employee who said the dog was not doing well."Something really bad was going on," Lara said. The dog owner said when she arrived at the store, the dog was bleeding and was unable to close her mouth. "She was in a lot of pain," Lara said. "She was touching her face and she was crying."The woman said she was told employees attempted to take Susie to the in-store vet, but the vet was busy. She adds they also told her Susie had dental problems.Lara said she immediately took her dog to the veterinarian, who said the dog's jaw had been broken in two places."She [had] to be hospitalized during the weekend," Lara said. "She has a feeding tube in."The dog underwent surgery on Monday. Lara said the hospital bills and surgery totaled around ,500.Lara said she tried to file a police report but was told to file a report through PetSmart corporate first.PetSmart released the following statement: 1403