Life insurance and retirement are paid to the designated beneficiary and do not pass under the Will (or state laws of inheritance if there is no Will). The estate, not you, owes the credit card companies. They must be paid before any distribution is made to you or any other beneficiary or heir. Consult a local probate lawyer.
This is general information. It cannot substitute for a personal consultation with an attorney. It is not intended to be legal advice or imply an attorney-client relationship.
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