I'm also having similar question regarding to these. my late father also has debts (personal loan) but he didn't tell us while he still alive. yesterday we receives a notice letter from bank, and it was a final notice. the 1st and 2nd letter was dumped away by my mum as she thought it was a chain letter (surat berantai) from those 'get rich quick schemes' syndicates. the bank even has called us several times that causing my mom feared to pick the phone. so does our family members have to pay my late father's debt in behalf?