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You have absolutely no personal liability for your father's bills. If his estate
does not have sufficient assets to pay his debts and liabilities, the creditors, including the nursing home, must simply write these debts off as losses. Also, it's only his probate assets
that are at risk. Assets that are not probate assets are: i) joint accounts which vest automatically in the surviving joint owner; ii) real property held as joint tenants with right of survivorship
or as tenancy by the entirety, which property vests automatically in the surviving owner; and iii) assets with named beneficiaries, such as retirement plans and life insurance policies. None of these are probate assets and thus are not subject to the claims of the creditors of your dad.
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