No, you don't have to open an estate. A creditor, including the local, state or federal government (unusual unless the debt is large) could open an estate to try and collect what is due. If there are assets in her name - real estate, bank accounts, investments, etc., neither you nor a creditor can get to them without a probate estate. Otherwise, a creditor may ask the probate court to take away any non-titled assets from her that you took.
Answered on Jan 25th, 2013 at 11:33 AM