Thanks for the great informative blog. I received a letter from DCM yesterday fishing for information as to who is responsible for paying the debts of my father who passed away a year and a half ago. It was addressed to “The Estate of . . . .”. Although he had sizable assets, everything was in a Revocable Living Trust so legally there is no “estate”. He only had one credit card which he fatefully paid the entire balance every month. That card was closed with his bank and left a zero balance. Since he had no debt I feel it’s best for me to just ignore their request.