Creditors have the right to be paid from the estate of a deceased person. The estate’s responsibility is to notify known creditors (usually found by checking the deceased’s mail) and publishing notice in a newspaper that the any creditors of the deceased had better notify the personal representative of the deceased or the attorney of the estate of its claim. If a creditor fails to do this, the claim can be cancelled much like a bankruptcy.
If a creditor makes a claim against the estate, the personal representative must first determine if the claim is valid and then determine the amount of the claim. The personal representative can then either pay the claim (assuming there is money to pay the claim) or negotiate the amount of the claim.
For more information on dealing with creditors, please contact me through http://www.attorneydrew.com.