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Should the parents bear the responsibility if the son owes a credit card?

Whether parents are obliged to repay their children’s debts depends on whether the children are persons with full capacity. If the child has reached adulthood and is a person with full capacity, he can be fully responsible for his own actions, and the parents have no obligation to repay. If the child is underage, as the child's guardian, the parents are obliged to help the child repay the debt.

However, in the case of inheritance, the heir must bear the responsibility to pay off the debt within the scope of the inheritance. If the inheritance is insufficient to pay off the debt, he will not be responsible for the excess; if he gives up the inheritance, he will not be responsible for paying off the debt. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs.

Legal Basis

Article 1161 of the "People's Republic of China and Civil Code", the heir shall pay off the decedent's debts to the extent of the actual value of the inheritance received in accordance with the law. taxes and debts. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs.

If the heir gives up the inheritance, he will not be liable for the taxes and debts that the deceased should pay according to law.