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Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question and respond.
Only her estate is liable.You can write them and advise them that she died insolvent and no probate is planned..You or your father have no personal liability in this matter.He does not have to pay if he is not on these accounts.They have to close them eventually.She died insolvent if she had no assets and no probate here.
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It is insolvent because she had no assets and no probate opened.If she had assets here say house, car the creditors can open probate in TN and try to force a sale.
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No as long as dad makes the payments.