what does it have to do with being a muslim?
trying to be holy here?

dont think you have to pay off your deceased dad's debt, unless you are inheriting something bigger.

going to AKPK will difinitely harm your credit rating, no more credit cards and in future no more loan for you.

Please stop pointing finger at TS for bring up religion matter. It is important in the context of inheritance as the estate administration and distribution law is different between muslim vs non muslim.