What Happens to Debt When You Die in Maryland?

Yes. Maryland requires publication of a notice to creditors once per week for 3 consecutive weeks in a newspaper of general circulation in the county where probate is filed.Md. Code, Est. & Trusts §§ 7-103, 8-103, 8-105, 8-107Verified May 14, 2026 The notice must include the deadline for filing claims and where to send them.

Yes. Maryland requires the executor to mail written notice to all known or reasonably ascertainable creditors within 60 days of appointment.Md. Code, Est. & Trusts §§ 7-103, 8-103, 8-105, 8-107Verified May 14, 2026 "Reasonably ascertainable" includes creditors identifiable through a review of the decedent's records, mail, and financial statements.

In Maryland, estate debts are paid in this order: Fees due to the register, Costs and expenses of administration, Funeral expenses, followed by remaining claim classes.Md. Code, Est. & Trusts §§ 7-103, 8-103, 8-105, 8-107Verified May 14, 2026 If the estate is insolvent, claims within each class are paid proportionally.

The executor is responsible for publishing notice, sending direct notice to known creditors (where required), reviewing and approving or rejecting claims, and paying valid claims in the statutory priority order before distributing assets to beneficiaries. The Maryland executor checklist outlines each step in order.

Creditor claims are one phase of estate settlement. The process includes inventorying assets, notifying creditors, paying valid debts, filing tax returns, and distributing remaining assets to beneficiaries. Assets cannot be distributed until the claim period expires. See the full timeline with the Maryland estate settlement guide.