Mom passed away a few weeks ago and I am the executor of Mom's will. I am wondering how I should handle notifying credit card companies and hospitals regarding her bills. Here is some back story- Months before moms death, my Mom, brother and I sold her home and got rid of everything in the house aside from a few pieces of furniture that Mom moved into her new assisted living apartment. Mom had a joint checking account with my brother, who was her POA. Upon death Mom was insolvent- she had no real estate, no vehicles, no investments, no savings accounts, no retirement accounts, no safe deposit boxes, no assets aside from a few old inexpensive pieces of furniture that she used in her assisted living apartment, no expensive jewelry and no valuable collections of any kind. The checking account is now my brothers as he was joint with Mom. Mom is clearly insolvent. What steps do I need to take to notify unsecured creditors, credit bureaus and hospitals of Moms death? I want to close out accounts and let the companies know that Mom is insolvent as there is no estate to pay her bills. Do I send a letter and death certificate with the latest bills to each? Do I phone each creditor to close accounts and tell them there is no money to pay? The issue I have with phoning is that the companies will all have my phone number due to caller ID and I don't want these companies hounding my phone and bothering me as this debt has nothing to do with me. Mom lived in Indiana and I am the executor of Moms will so this job I feel is up to me at this point and not my brother as he was POA. I figure he could give me all of Mom's bills and I could take over from here. Any information you can share with me is greatly appreciated! Thank you in advance.