15 years long of debt? interest + interest is a very huge sum there, the only thing you can do is check if there's EPF left from him. Clear it off with his EPF and only distribute the rest.

Like what other /k said, if the property is under his name, bank will have the right to lelong it off, clear the debt and only giv the balance to your family.

So first thing to do is check if his epf balance is able to clear off the debt, if not just go to bank and ask. Normally they're able to help and give you a contract to make the repayment throughout few years which stated in the contract I think.

If above still not able to solve it, only go look for akpk and see if can help.