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Because he is an adult, the 'estate' such as it is, should be probated. The estate will advertise for debtors and use what money it has to pay off the debts. If there is money left over and no spouse or children, the parents would be the primary beneficiaries.

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Q: If a 19 year old son dies and leaves no will or beneficiary does the mother get his saved money and need to pay his medical credit card bills?
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