17 Step 17 of 18

Settle debts and distribute the estate

After probate is granted

Once you have the legal authority, pay any debts from the estate and distribute the remaining assets to the beneficiaries named in the will (or according to intestacy rules).

As executor or administrator, you are responsible for:

1. Paying any outstanding debts (mortgage, credit cards, loans, utility bills, care fees)
2. Paying any inheritance tax due
3. Selling property or assets if needed
4. Distributing the remaining estate to beneficiaries

It is important to follow the correct order. Debts must be paid before beneficiaries receive their inheritance.

You should also place a notice in The Gazette (the official public record) to protect yourself against unknown claims against the estate. This gives creditors 2 months to come forward.

Keep detailed records of everything — you may need to prepare estate accounts for the beneficiaries.

What you will need

Grant of Probate or Letters of Administration
A full list of debts and assets
Contact details for all beneficiaries

Several months for most estates

This final stage can bring up feelings about the person and their wishes. It is normal for this to take time.

Previous step

16. Apply for probate (if needed)

Next step

18. Look after yourself

Your checklist

You are on step 17 of 18.

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