The F.T.C.  has laid down some new restrictions on the bill collectors who often hound the families of deceased relatives soon after their deaths, according to this article on  CreditCards.com (an unlikely source for this lawblogger, but interesting nonetheless). It is important to keep in mind that there are not many reasons why one is required to pay the debts of a loved one. An estate’s Administrator or Executor, together with the help of his or her attorney should pay bills from testamentary assets. Non-testamentary assets such as IRAs, 401ks, joint accounts and insurance policies generally pass free of obligations. This may not stop dad’s creditors from descending upon you soon after the funeral. Now there are new regulations in place to restrict this sort of intrusion. An good source of information if you are looking for ways to deal with this problem is the Fair Debt Collection Practices Act. It is amazing how few bill collectors seem to have read this powerful law. When they come calling, you probably should have a look at it.