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Sorry for your losses. One question, did your Mom leave you more than $180K in assets? Debt is not transferable to heirs unless the assets exceed the amount of debt, i.e. she left 100K and there's 180K in debt, you are not obligated to pay more than 100K. Credit card companies and the like attempt to trick you into thinking it's your problem, so they get paid, but that's not true. Don't assume your parents debt! In any case, hang in there.
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