1, accidental death can be repaid with compensation;
2. If you have property before your death, you can use this property to pay off your debts;
3. If the immediate family members have no capacity for civil conduct, the bank will handle bad debts.
Legal basis: Article 159 of the Civil Law of People's Republic of China (PRC) shall pay off the taxes and debts that the decedent should pay according to law when inheriting the estate, and the payment of taxes and debts shall be limited to the actual value of the estate. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. If the heir renounces inheritance, he may not bear the taxes and debts that the decedent should pay according to law.
Legal basis: Article 159 of the Civil Law of People's Republic of China (PRC) shall pay off the taxes and debts that the decedent should pay according to law when inheriting the estate, and the payment of taxes and debts shall be limited to the actual value of the estate. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. If the heir renounces inheritance, he may not bear the taxes and debts that the decedent should pay according to law.