{"product_id":"vragen-50094-mijn-ex-is-onlangs-overleden-wij-hadden-samen-nog-een-hypotheek-door-zijn-overlijden-is-er-een-ove","title":"Legal assistance in the event of death and debts","description":"\u003ch4\u003e Questioner\u003c\/h4\u003e\n\n My ex recently passed away. We still had a mortgage together. Due to his passing, a death benefit insurance policy became available. This should be sufficient to compensate for any negative equity after the sale.\n\n In addition, when we separated, we signed a division of property in which I stated that I would not claim any profit from the sale and that I would not be held liable for any loss from the sale.\n \nIn addition, my ex has built up a huge debt.\n\n His family has accepted the inheritance under benefit of inventory.\n\n I am now wondering what my rights and obligations are?\n They scared me by saying that if they want to do harm, I will be left with a debt of hundreds of thousands of euros.\n Please advise.\n\n\u003ch4\u003e Lawyer\u003c\/h4\u003e\n\n You may find yourself in a complicated situation, especially if the debts you mention were incurred during your marriage\/relationship. Agreements you made with your deceased ex may simply be ignored by creditors of debts for which you are also liable.\n\n The life insurance may be linked to the mortgage, so that the insurance payment must be used to pay off\/reduce the mortgage debt.\n\n Before making any decisions, I advise you to carefully consider your financial and legal position and to seek advice before making any decisions.\n\n\u003ch4\u003e Lawyer\u003c\/h4\u003e\n\n There is some work to be done:\n\n - was there a will?\n \n- what is the exact content of the estate division agreement\n\n - what is the content of the term life insurance linked to the mortgage.\n\n - when did your ex's debt accrue.\n\n It is possible that you are (also) a beneficiary and that you can claim the death benefit. It can involve a lot of money and it is also possible that the benefit goes outside the estate and that the benefit must go to you.\n\n It is definitely worth your while to find out more.\n\n If you wish, I can help you with this.\n\n In short: collect data and make an appointment.\n\n\u003ch4\u003e Questioner\u003c\/h4\u003e\n\n Thank you for your quick response.\n\n Tomorrow I will seek advice from a notary about my rights and obligations. Others have also urged me to do this.\n\n Some answers to your questions;\n\n There was no will.\n \nThe debts were mostly built up in his previous and subsequent relationships. During our relationship he was paying off and repaying. I assumed he had continued on the same path in his new relationship.\n\n I do not yet know the exact contents of the death risk insurance. This is pledged to the mortgage.\n\n Unfortunately, I am no longer aware of the exact contents of the division of the estate. The lawyer sends the document to me. What I do know is that the value of the house is described in it and that we have agreed that I will not claim any profit on sale and that no one may approach me for any loss on sale.\n\n My question here is, to what extent is it different if there is a death and then you have to sell, or how I thought it would go, moving into a new home with your new girlfriend after the sale.\n\n","brand":"Rechtswinkel.nl","offers":[{"title":"Default Title","offer_id":55006400348509,"sku":"","price":0.0,"currency_code":"EUR","in_stock":true}],"url":"https:\/\/www.rechtswinkel.nl\/en\/products\/vragen-50094-mijn-ex-is-onlangs-overleden-wij-hadden-samen-nog-een-hypotheek-door-zijn-overlijden-is-er-een-ove","provider":"Rechtswinkel.nl","version":"1.0","type":"link"}