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My spouse died last year. I haven't needed confirmation so far as being married the insurance and pension paid straight to me. The mortgage was in spouse's name only (no survivorship clause) and I I have paid the mortgage off using the insurance money what was left I paid their other debts, credit card insurance covered that debt. . The pension lump sum wasn't much and I used that along with my bereavement support allowance lump sum to pay the funeral bill. There's nothing much left and there's no monthly payment from the pension. All other matters relating to them are settled though.
Because the house was just in my spouse's name, apparently I now have to change the name on the title deeds and let the Land Register know as I will inherit. The problem is I am in debt (around 7k, unsecured). While I'm paying it off a little at a time, (I only work part time) the debt collection company is one of the ones with an aggressive reputation and I am worried that if they find out the house is coming to me they will force me to sell. Is there any way of protecting the property before I accept the inheritance? I would sign a deed of variation in my son's favour so it went straight to him if necessary.
Please dont think I'm trying to get out the debt. I'm not. I accept it's mine and am paying it as best I can but my health only allows me to work limited hours. I just couldn't bear to lose our home we worked so hard for. It's not even worth a lot of money but it's where all my memories are and I'm already not coping with the loss. Any advice would be appreciated, I'm worried sick on top of grieving.
Because the house was just in my spouse's name, apparently I now have to change the name on the title deeds and let the Land Register know as I will inherit. The problem is I am in debt (around 7k, unsecured). While I'm paying it off a little at a time, (I only work part time) the debt collection company is one of the ones with an aggressive reputation and I am worried that if they find out the house is coming to me they will force me to sell. Is there any way of protecting the property before I accept the inheritance? I would sign a deed of variation in my son's favour so it went straight to him if necessary.
Please dont think I'm trying to get out the debt. I'm not. I accept it's mine and am paying it as best I can but my health only allows me to work limited hours. I just couldn't bear to lose our home we worked so hard for. It's not even worth a lot of money but it's where all my memories are and I'm already not coping with the loss. Any advice would be appreciated, I'm worried sick on top of grieving.
