What can I do if I am beneficiary of my grandmother's estate but my stepmother cosigned for a loan?

If your mother is the named beneficiary on bank accounts and insurance policies then she is the appropriate person to receive those assets. You mention that you are the beneficiary. Do you mean you are named in your grandmother's Will? If so, a Will only applies to probate assets. Those are assets that do not have a named beneficiary, are not joint tenant accounts and are not in a trust. Creditors are always paid before Estate beneficiaries, so if a lender is due money, the lender needs to be repaid from the estate before a beneficiary receives an inheritance. To discuss your specific situation, you should make an appointment with an attorney who can address your specific issues. We offer a one hour consultation with an attorney who will provide you with important information regarding your specific case and will able to advise you on the options that you should consider in determining your next steps for the small investment of $100. This is a significant discount from our billing rates. We are providing a valuable service to you at a discounted rate. If you are interested in making an appointment with one of our attorneys, please contact Michelle at 702 873 9500. She will need to gather some initial data from you and run a conflicts check before an appointment may be set. Our web site, www.goldguylaw.com , can provide you with more information about the law firm and our attorneys. This response is not intended to create an attorney client relationship. The response is solely intended to answer the question presented. Additional facts and issues are unknown to the responding attorney. Should you still have questions, legal assistance should be sought by making an appointment to meet with an attorney, rather than attempting to resolve the issue via e mail. This response is merely provided to give direction to assist you in the decision of whether you should contact an attorney or not.