If the son was not a joint account holder he has no obligation to repay the debt of a deceased parent. The deceased assets and debts should have been handled in accordance with probate laws in the state in which she lived. Unfortunately the son has signed an agreement which indicates he has assumed responsibility for the debt, and he probably will need to honor the agreement unless fraudlent intent on the part of the creditor can be proved. His best option is to speak with an attorney who is qualified in creditor and debtor issues,(usually one who practices in the areas of bankruptcy or general law). Most attorneys offer free consultation or at reduced fees to explain the options available under the applicable laws.
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