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If you are the executor or administrator, and there are assets available to pay these debts, you may be liable if you don't satisfy these claims before making distributions to beneficiaries.
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Check the laws in your state as well. Some states creditors may not even have to file a claim if they send a bill while the estate is open and before the deadline to file a claim pasts. Creditor will probably be in contact soon 
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You are not responsible unless your name is on the accounts.

BUT, if there is any money assets in the will, the companies do have the right to file a claim for the money.
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Good point that shad made. If there are assets left over, creditors would have to be paid before beneficiaries of the estate.
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Joint account yes non joint, no. If probate is opened CCTV could file claim against estate
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Not under normal circumstances. If it was a joint account then maybe.
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