Do I have to pay my mother’s bills when she dies if I am on her bank accounts? The answer is no, you do not. You’re entitled to the money and it’s a contract with your mother and the bank as to your ownership of the account or being a beneficiary. The bank will disperse the money to you under either scenario, and those are your monies to keep. The creditors are only entitled to file claims in a, in the heir estate if she has one. And her estate consists of only assets that were just in her name alone and does not cover assets that are jointly held. So, just because you’re a co-owner and she has outstanding bills, you do not have to use that money to pay her bills. If you have any questions, give me a call at (727) 847-2288.