My mother in law died a year ago. No estate, no insurance, no nothing. Died dead ass broke with some debt. Filed all the proper paperwork w the state, social security etc. we still get demand letters from various credit card companies and other people she owed. Not big $$$. Couple hundred here and there. Since day 1 we have sent them letters with a copy of the death certificate. we still get the letters and bills. After several return mailings, we have resorted to sending the bill with sharpie " just checked,she's still dead".