Category Archives: Cremation

cremation service in Chesterfield Township, MI

How to Find the Right Cremation Urn

It might be tempting to think that if you’ve seen one urn, you’ve seen them all. But that would be inaccurate. When the time comes to plan a cremation service in Chesterfield Township, MI, you’ll notice that there are different kinds of urns. So choosing one won’t be as easy as you might think. Here are some tips to help you find the right urn for your loved one’s ashes.

Budget

You are going to want to figure out how much you want to spend on an urn. If you do not wish to pay any more than is required, you will wish to find a low-cost urn. Other people want to buy a really nice urn and are willing to pay more in order to do so. Whatever situation you find yourself in, you can take a look at a funeral home’s price list to discover what urns they have and what they charge for them. This can help you to find exactly what you’re looking for.

Purpose

Are you going to bury the urn? Are you going to scatter the ashes? Is the plan to keep the ashes at home in an urn? In other words, what do you plan to do with the ashes? Your answer to that basic question will help you decide what type of urn to purchase. The funeral director will be able to recommend some urns based on what you wish to do with the ashes. If you want to bury the ashes, for instance, the funeral director will be able to suggest urns best suited for burial.

Material

Cremation urns are created from various materials. Did your deceased loved one have a preference for getting the best of the best or did they prefer to be pretty much low-key in their approach? You can look through the selection of urns at the funeral home to find something that the deceased would have loved. The material type will impact the price since, of course, some materials are more valuable than others are. When you tell the funeral director your budget, they will be able to help you choose something appropriate.

Customization

You can get customized urns if you’d like something extra special for your loved one’s ashes. You can find urns that have a special shape, a unique design, a personalized inscription, and more. Did your deceased loved one have a hobby, enjoy sports, enjoy different themes? It’s possible to get an urn that’s as unique as was your relative. Customization will cost you extra, but that added cost can be well worth it if you insist on getting a personalized cremation urn.

cremation service in Chesterfield Township, MI

When the time comes to arrange a cremation service in Chesterfield Township, MI, you’ll need to choose an urn for your loved one’s ashes. The aforementioned steps will help you decide what type of urn to get. If you have any more questions, we’ll be honored to answer them. Give us a call to ask questions about cremation urns or to ask questions about our final services options. We can help with memorials, cremations, traditional and contemporary funerals, caskets or urns, vaults, cremation jewelry, veteran’s discounts, and other resources such as grief counseling. Our licensed industry professionals are here to support you through this difficult time. Call us by phone or visit us in person for the assistance you require.

cremation services in Shelby Charter Township, MI

Why Should You Consider a Cremation with a Service?

Many families are choosing to plan cremation services in Shelby Charter Township, MI. Funeral services used to be the more popular of the two body disposition types. But this trend has reversed, and statistics show that cremation will continue to get more and more common.

When most people think about cremation services, they tend to believe that choosing to go this route means choosing to forego a funeral service or some other ceremony. But this is not the case. It’s possible to combine a cremation service with a funeral service or a memorial service. Consider the following reasons why you should consider a cremation with a service.

Bring Family Together

It is true that some families are fine with a simple cremation. They might not want a formal ceremony in a church, chapel, or someplace else. But most families appreciate having a service component that brings people together. People live busy lives, and families are often spread out across vast geographies. It’s often the case that families only come together for holidays, for weddings, and for funerals or cremations. You can plan a cremation and add a traditional or contemporary funeral service. If you don’t want to add a funeral service, you can add a memorial service that is usually more laid back than a funeral service. This choice is yours. The funeral director at a reputable funeral home will be able to help you choose the right option.

Keep with Tradition

Are you part of a family that usually plans funerals after loved ones have passed away? Do some family members want to plan a cremation while others prefer to stick with tradition? If you plan a cremation with a service, you can honor loved ones who want to stick with tradition while also honoring loved ones who want to plan a cremation. In other words, you can do both.

Your Loved One Might Have Wanted it

Another reason to plan a cremation with a service is if your deceased loved one had, more or less, requested it. Perhaps they had spoken of wanting to be cremated when the time came and had also spoken of wanting a ceremony of some type as a final send-off. Arranging a cremation with a service will honor your deceased loved one’s wishes and will bless your family.

cremation services in Shelby Charter Township, MI

Do you have any questions about planning a cremation with a service? Your best bet is to reach out to a reputable funeral service and cremation service provider in Shelby Charter Township, MI. We’re here to help you arrange an honorable final send-off to someone near and dear to you. We can help with memorials, cremations, traditional and contemporary funerals, caskets or urns, vaults, cremation jewelry, veteran’s discounts, and other resources such as grief counseling. Our licensed industry professionals are here to support you through this difficult time. We can answer your questions or set up a final service planning consultation. Let us know how we can help. Call us by phone or visit us in person for the assistance you require.

Preplanning Cremations | Funeral Homes

When you are preplanning cremations at funeral homes in New Baltimore, MI, you may be unfamiliar with what happens during cremation. Put simply, the body is cremated, and the cremation remains are returned to family members. Cremation remains can be buried in the ground, placed into a columbarium (a building or room with slots where funeral urns are stored), retained by the family in an urn, or scattered somewhere.

By preplanning your cremation, you can determine exactly how you want your cremation to be. In most cases, when people are cremated services to honor their memory are conducted before the cremation or after the cremation.

If you want your service to be held before the cremation, then the process will be very similar to the process for a service that is held before a burial. You can choose to have a viewing and/or visitation, which will be followed by a funeral service or a graveside service.

This happens within a week or so after you have died. If you choose this option for your cremation, then you will probably have to choose to be embalmed. Embalming keeps the body from deteriorating quickly. Included in the embalming process are bathing, dressing, and grooming.

You can choose what kind of service you want to have. The funeral home can accommodate any format service and their staff can help make sure that any customized requests you have for the service are included.

Cremation will then take place after the service and your cremation remains will be returned to your family.

You can also choose to have a service held after you are cremated. Many people who are cremated like this option because it has more flexibility. It can be held at any time after the cremation, so a convenient time that works for most people can be chosen.

You have the choice of where and how you want your memorial service to be. It might be a casual format where your friends and family share stories and memories about you or it might be a gathering for an activity that you and your family and friends all enjoyed doing together. The options are endless.

One of the benefits of preplanning your cremation is that you get to decide what you want done with your cremation remains. They can be buried in a cemetery, stored in a columbarium, kept in an urn by the family, or scattered at one of your favorite places.

When you are preplanning your cremation, you can also choose how you want your cremation remains to be returned to your family. The funeral home has a wide selection of urns and other types of containers that you can choose from. Most of these can be customized in various ways.

You should make sure to write down everything you want for your cremation and give the funeral home a written copy with your instructions. The goal is to cover all aspects of your cremation – the funeral director will guide you through this process – so that your family does not have to do anything in the way of planning when you die.

Once you’ve preplanned your cremation with the funeral home, be sure to record everything and keep your instructions with your important papers (include burial/funeral policy information, if you have a policy). Be sure to talk with your family in detail about your cremation plans, so that they know what you want and so that they know you have talked with the funeral home.

For more information about cremations at funeral homes in New Baltimore, MI, our compassionate and experienced staff at Lee-Ellena Funeral Home can help.

cremation services offered in Chesterfield Township, MI

Sending Thank You Notes After Cremation Services

After cremation services offered in Chesterfield Township, MI, the funeral home will have thank you notes available that you can use to thank every person who helped you out during your loved one’s cremation services.

While handwritten communication is practically non-existent today, people who receive a handwritten thank you note from you for the help and support they provided will cherish it and will realize that you are grateful for them.

So, who should you send thank you notes to after cremation services for your loved one?

One of the most common funeral rituals in America is for people to bring food to a person’s home after their loved one dies. This is a tangible way to show care, concern, and support, and it meets an immediate need that you (and any immediate family who may be with you) forget about, don’t feel like, or simply don’t have the energy to make happen.

Additionally, if you have a reception after your loved one’s cremation services, it will most likely be put together by friends or members of your church congregation or other community groups that you are a part of. There will be several people who make sure there are food and drinks there for everyone who attends.

And, even in the first few weeks after your loved one’s cremation services, you may have friends or coworkers organize a meal train (where food is delivered by different people a few times a week) to make sure you’ve got good nutrition as you go through the process of wrapping up your loved one’s final affairs and start to try to move forward in a life that no longer has them in it.

So, you should send thank you notes to people who provide food to you and your family at any point before, during, or after your loved one’s cremation services. This may seem daunting, but you can spread the work out among immediate family members so that you don’t have to do them all yourself.

Before, during, or after your loved one’s cremation services, you had people either offer to do things for you or who spontaneously did things for you. These kinds of things might have been to take care of the yard, to help with housecleaning, to pick up groceries or prescriptions, or to take your vehicle in for service.

What people did for you helped you out tremendously. Each one of these people should receive a handwritten thank you note that expresses your generosity for their time, effort, and willingness to help you after your loved one’s death.

It will always surprise you that some people decide to give financial assistance after someone dies. Someone may have personally given you cash or a check or they may have contributed money to a memorial fund to help pay funeral expenses or to provide support for orphaned children.

However you received the financial help (even if it was electronically through a service like PayPal or Venmo or a wire transfers), you should send a handwritten thank you note to each person who gave you a financial donation.

When you and your family members write the thank you note, they should be personalized for each person you’re sending them to. Document what they did or gave you, how it helped you, and how much you appreciated it.

cremation services offered in Chesterfield Township, MI

To successfully keep up with all the people you should thank after your loved one’s cremation services, assign someone in your family to keep an updated list of people who are helping you and what you’re doing to help them. This will ensure that you don’t forget anyone.

For information about cremation services in Chesterfield Township, MI, our caring and knowledgeable staff at Lee-Ellena Funeral Home is here to assist you.

cremation services in Washington Township, MI

Documents You’ll Need After Cremation Services

After cremation services for your loved one in Washington Township, MI, there are many important documents that you will need to take care of your loved one’s final affairs. You may not know what all the documents are and you may not know where to find them (if you’re preplanning your own cremation services, be sure to leave instructions on where your important documents are located).

One of the groups of documents that you will need after your loved one’s cremation services are records of their assets. Here are some examples:

  • Financial account statements – These will include all bank accounts, retirement accounts, investment or brokerage accounts, and annuities. If possible, you should try to obtain statements for three or four months before your loved one’s death.
  • Life insurance policies – While many people buy life insurance policies on their own, they also may have smaller life insurance policies through their employers. Be sure to check with the HR department of your loved one’s place of employment (if they were still working when they died) to see what benefits they were entitled to.
  • Designated beneficiaries – Life insurance policies, payable on death accounts, retirement accounts, and transfer on death accounts have beneficiaries to whom the money is paid or transferred directly. You will need to make sure you know who the designated beneficiaries are on each of these accounts.
  • Deeds for property – These include homes, buildings, and land. You do not need the original deeds, but you do need a good copy of them.
  • Titles for vehicles, boats, motorcycles, campers, and RVs – To legally transfer the titles of these, you will need to have the original copies for each of them that your loved one owned.
  • Stock and bond certificates – If your loved one had stock and bond certificates, you will need the original certificates to legally transfer them to someone else.

If your loved one own or co-owned a business, you will need the following documents:

  • Partnership, corporate, or LLC documents – These documents include copies of organizational (corporate charter or articles of organization and minutes) documents, operating agreements, partnership agreements, or shareholder agreements, minutes of meetings where business decisions were made, and original LLC or stock certificates to transfer legal title.
  • Account statements – You need at least three months of bank statements, retirement account statements, and brokerage statements.
  • Contracts – These include any loans, leases, and employment agreements.
  • Business licenses – You will need both local and state licenses.
  • Income tax returns – You should have federal and state income tax returns for the past three years.

Other important documents you will need to have include:

  • Death certificates – The funeral home will complete these and have them available to you after cremation services.
  • Prenuptial or postnuptial agreements – These documents should also include any amendments that were made to the original agreements.
  • Personal loans – These will include mortgages, credit lines, and promissory notes.
  • Personal debts or liabilities – These will include utility bills, medical bills, and credit card bills.
  • Will or revocable living trust – These estate documents should include any codicils (made to the original will) or amendments (made to the revocable living trust).
  • Personal income tax returns – You should have state and federal income tax returns for the past three years.

All of these documents, if their applicable in your loved one’s situation, will be needed to settle the estate of your loved one. Make sure you know where they are and how to obtain them before cremation services for your loved one.

cremation services in Washington Township, MI

For information about cremation services in Washington Township, MI, our caring and knowledgeable staff at Lee-Ellena Funeral is here to assist you.

cremation services in Shelby Charter Township, MI

The Role of Storytelling in Funeral Receptions

It is common after cremation services in Shelby Charter Township, MI to hold funeral receptions where food, drinks, and stories are shared about loved ones. Storytelling is one of the great traditions that humans have of passing along information throughout time.

Many of the classic epics and books that are available now in written form were once part of a vibrant oral tradition. The Illiad and The Odyssey, written in poem format by Homer in the 8th century BC, are two of the oldest examples of storytelling.

The stories we tell help us define ourselves. They help us to connect with each other. And, in the case of stories that are told during a funeral reception, they help us begin to start the healing process after the death of someone we love.

The stories we tell at funeral receptions focus on fond memories, funny memories, a meaningful life, the impact our loved one had on other people. They are a comforting and supportive way to say farewell to someone we love.

So, how can you naturally evoke storytelling about your loved one at the funeral reception?

One way to encourage storytelling at your loved one’s funeral reception is to provide photo collages of them that highlight certain aspects of their lives.

For example, if your loved one was an ardent supporter of the sports teams from the college where they graduated or they had a favorite professional sports team that they closely followed, then a photo college of them in their team’s gear or attending games will naturally encourage people to say, “I remember when…”

Your loved one may have served in the military and may have won several honors and medals during their service. A photo collage of them during their military tour (or career) along with some of the accolades they received is sure to spark conversations from people who served with them or from people who may not know about their military service.

Another way to encourage people at the funeral reception to share their stories and memories of your loved one is by the food you serve at the funeral reception. You can share some of your loved one’s favorite dishes and explain why they were favorites.

Perhaps your loved one had a favorite comfort food that they wanted when they were sick, or when they had a rough day. Maybe your loved one had a special dessert that they wanted each year for their birthday. Serving these foods lets you tell the stories behind them and give insights about your loved one.

If your loved one had passions and hobbies that sustained them throughout their life, you can create a display of them doing what they loved or some of the things that they created. Not only will this elicit stories from you and your family, but it will also spark conversations among the others at the funeral reception about their memories of your loved one following their passions or enjoying their hobbies.

One of the common ways that storytelling is done at funeral receptions is by asking people who attend to share their memories of your loved one. You will have people at the funeral reception who may have known your loved one all their lives and who shared close friendships with them during their life. Perhaps college friends will be there or colleagues who worked with them throughout the years.

cremation services in Shelby Charter Township, MI

Hearing the stories each of the groups of people tell about your loved one will be very comforting and healing for you and your family.

For information about cremation services in Shelby Charter Township, MI, our caring and knowledgeable staff at Lee-Ellena Funeral Home is here to assist you.

cremation services in Chesterfield Township, MI

Honoring a Coworker Who Has Died

Some of the cremation services in Chesterfield Township, MI may be for people that you have worked with. You have had friends and family members who have died, so you are familiar with how to pay tribute to and honor their memories.

However, when you have a coworker die, you may be unsure about what appropriate ways to honor them are. It’s not uncommon for someone in the office to pass a sympathy card around the office for everybody to sign. Occasionally, you will be asked to make a donation so the office can send flowers to the funeral home.

Many people from the office may attend the cremation services, regardless of how well they knew their coworker.

But you may have known the coworker very well because you worked closely together, or you developed a friendship over the year. You believe you should do more for your coworker than what the office. So, how do you do that?

Many offices tend to push to move past an employee’s death. After the sympathy card is sent, the flowers are sent to the funeral home, and employees have attended cremation services, your office may simply act as though your coworker was never there.

This is a reflection of Western society’s relationship with death, but it can negatively affect the whole office’s morale, because it can imply that employees are expendable, and they don’t really matter to the company.

You can do something about this by leading the office, as a whole, to do something meaningful to remember your coworker who died.

You could organize a special memorial service for your coworker. Planning a lunch where everyone in office brings a dish is a great way to get everyone together to remember and share stories about your coworker. To include your deceased coworker’s immediate family in your office’s tribute lunch, you could invite them to come for the lunch as well.

Another way that you could honor your coworker is to ask if you can plant a memory tree for them in a place where other employees gather during breaks or for lunch when it’s nice outdoors.

You can create a memory board in a break room or cafeteria to honor your deceased coworker. You might ask your coworker’s immediate family if they’d be willing to participate by donating photos and other mementos that highlight what they loved about your coworker.

You could keep the memory board up in the breakroom or cafeteria for a short period of time (two to four weeks is common), and then have everything on the memory board turned into a printed photo book. You can ask everyone to sign it and then present it to your deceased coworker’s immediate family.

You could approach your company about creating a scholarship in your deceased coworker’s name. Companies often like to these kinds of things because it shows that they are charitable.

The scholarship doesn’t have to be for a large amount of money, but it should go to someone in need in the community. This might be a local non-profit group that your deceased coworker supported (a local animal shelter, a homeless shelter, a food bank, etc.) or some other institution or social issue that was important to your deceased coworker.

If, for whatever reason, your coworker needs help with medical expenses or funeral expenses, you could ask your company if you can solicit other employees to contribute money that can be given to your coworker’s immediate family to help them out financially.

cremation services in Chesterfield Township, MI

For information about cremation services in Chesterfield Township, MI, our caring and knowledgeable staff at Lee-Ellena Funeral is here to assist you.

cremation services offered in Washington Township, MI

Dealing with Suicide

Cremations are one of the cremation services offered in Washington Township, MI. Some of these cremations will be for people who were very much loved by many, but who took their own lives.

Family members and friends have lost a loved one to suicide frequently wrestle with intense guilt, grief, and regret that they could not prevent the death their loved one. They also struggle with feelings of shame over how their loved one died, and this can leave them isolated in coping with their bereavement.

Over 100 Americans commit suicide every day. Suicide is ranked as the 10th most common cause of all the deaths that happen in the United States. Suicide is the third most common cause of death among young people (ages 15-24). For people aged 25-44, suicide is the fourth most common cause of death.

Some people who commit suicide have a long history of fighting with chronic and severe depression or other mental illnesses. Other people who commit suicide finally succeed after numerous previous threats or attempts to commit suicide.

Every suicide is followed too many questions and too few answers for the families and friends of those who have committed suicide.

However, some people who commit suicide do so without a history of deep depressions, mental illnesses, suicide threats, and suicide attempts. Those, perhaps, are the suicides that are most perplexing for their family members and friends.

When loved ones commit suicide with no warning, their family members and friends often have almost identical stories about the previous days, weeks, and months of their time with their loved one. Their loved ones who have committed suicide seemed relaxed, normal, and even optimistic or happy prior to their deaths.

However, it is really not uncommon for people who commit suicide to give any overt signs that they are thinking about committing suicide or they are planning how to commit suicide. It seems almost unfathomable that someone could keep such a life-altering decision hidden underneath a façade of being fine and being upbeat about life.

Although there are no hard and fast answers about how this could be, there are some common characteristics that come into play with all suicides.

One of these characteristics is the stigma that is attached to suicide. If a loved one let anyone know that they were thinking about or planning to kill themselves, they would automatically be seen as crazy or selfish.

Another reason why a loved one would talk about committing suicide is that they realize how painful (although that pain is diminished compared to their own pain) their death will be to those they leave behind. By simply being quiet about what they are thinking and planning, many people who commit suicide believe they are decreasing the amount of pain for their friends and loved ones.

Another reason why people may hide their plans to commit suicide is because they believe they will be stopped if others find out. People who commit suicide are suffering from intense emotional pain, and they may not be able to bear the thought of having to live any longer.

Although every suicide and the reasons behind it is unique, there are some common situations that may increase the risk of suicide.

These can include a significant life loss, a serious life crisis, a loss of social support, a chronic or terminal illness, or the suicides of family members and friends.

cremation services offered in Washington Township, MI

If you’ve lost a loved one to suicide, please consider grief counseling for you and your family. While you may never know all the whys about your loved one’s suicide, grief counseling can help you work through your own feelings about it.

For information about cremation services in Washington Township, MI, our caring and knowledgeable staff at Lee-Ellena Funeral is here to assist you.

cremation services offered in Shelby Charter Township, MI

When Should You Bring in Hospice?

Before cremation services offered in Shelby Charter Township, MI, you may be wondering if it is time to get hospice care on board for your loved one who has a terminal illness. Although many people think of hospice care as being something you do just before your loved one dies, the fact is that hospice care for the duration of your loved one’s terminal illness will give them a better quality of life and a dignified, pain-free death when the end comes.

Criteria for hospice care is that your loved one must have six or less months to live because of their terminal illness. When your loved one enters hospice care, all curative treatment for their terminal illness will be stopped, either because it isn’t effective (i.e., it won’t change the outcome) or because your loved one no longer wants to receive treatment.

Hospice care will manage the symptoms of your loved one’s terminal illness, ensuring that pain is well managed and that their quality of life is the best that it can be. This is commonly known as comfort care, and it is provided for your loved one instead of aggressive interventions to try to treat their terminal illness.

Since terminal illnesses don’t always progress according to predictive outcomes, your loved one may live longer than six months after entering hospice care. Hospice care can be continued with a simple recertification by their physician that states that they are eligible to receive hospice.

Your loved one’s hospice care is covered by most private health insurance plans, Medicare, and Medicaid. However, most non-profit hospice care agencies will provide hospice services to your loved one, regardless of whether they have insurance, or they are able to pay for their services.

If you want to begin hospice care for your terminally ill loved one, you can simply call a local hospice care agency. Once you contact the hospice care agency, they often begin providing care within a few days.

Hospice care agencies strive to make your loved one’s transition from life to death as easy and as comfortable as it can be. The hospice care agency will create a care plan for your loved one that addresses emotional and physical pain. If your loved one wishes, the hospice care agency can also address their spiritual needs in their care plan.

Hospice care for your loved one can be provided in their or your home, which is usually the preference of most hospice patients because they are in familiar and comfortable surroundings with their family nearby.

A hospice care team will be assigned to your loved one, but they are there to meet both your loved one’s needs and you and your family’s needs as you care for your terminally ill loved one. The team can include a supervising hospice physician, nurses, a pharmacist, a grief counselor, a social worker, home health aides, a chaplain, and volunteers who can provide short periods of respite for you and your family.

Pain management is a key part of hospice care. As your loved one’s terminal illness progresses, pain will increase. Hospice care team members will make sure that your loved one suffers as little as possible and is as comfortable as possible.

Quality of life enhancement is another key part of hospice care. If your loved one is having trouble breathing, for example, oxygen therapy will be provided. Any other medical equipment and medical supplies, such as hospital beds, pressure pads (to prevent bed sores), and gloves are also provided by hospice.

cremation services offered in Shelby Charter Township, MI

Hospice care will ensure that your loved one gets the best care possible and that their transition from life to death is the easiest that it can be.

For information about cremation services in Shelby Charter Township, MI, our caring and knowledgeable staff at Lee-Ellena Funeral is here to assist you.

cremation services in Chesterfield Township, MI

Debt and Death

After cremation services in Chesterfield Township, MI, families of the deceased have to take care of all of the affairs of their loved ones. Among these are dealing with financial matters, and that will very likely include debts the deceased owed to creditors.

If you die and you have life insurance or valuable assets, then your family will be in a good financial position and will be able to take care of all your affairs. However, it’s important to know that any debt that you have accrued will not die with you.

If you die with a substantial amount of debt, then paying those off could erase all the financial security that you intended to leave so that your family could be taken care of.

If you do not have life insurance or any valuable assets that can be sold, then your family members may have to take on the responsibility of paying off all of your debts. This will be a tremendous financial burden for them and could easily make endanger them financially, both now and in the future.

Approximately three-quarters of American adults have outstanding debts that must be paid after they die. The average amount of debt that includes a home mortgage is $61,554. The average amount of debt without a home mortgage debt averages is around $12,875.

The question arises as to whether your loved ones will inherit your debt when you die. In most cases, your individual family members do not have the responsibility for paying off your debts. However, your estate, which includes life insurance, physical property, and financial assets, is responsible paying off all the debt that you owe.

If some of your debt is secured, such as debt from a car loan or a mortgage, then the car or home can be sold and the money from the sale can be used used to settle the loans. If the property is not sold to pay off the loans, then the financial lenders can repossess or foreclose on it to recoup some of their money.

In the case where a family wants to keep the family home that everybody grew up in, the person in the family who gets the house will have to finance a new loan in their name, making them liable for the debt that they are incurring.

If your debt is unsecured (as with credit cards or unsecured personal loans), then your estate has the responsibility to pay unsecured debt off with any money that it has before your beneficiaries receive their inheritances.

However, if your estate does not have enough money to pay off all your unsecured debt, then your estate will be declared insolvent. Your executor will have to go through the legal system – probate – to get a determination made as to which debts should be paid.

Debts that are not secured or unsecured debts are your sole responsibility, so they will be discharged when you die. This means they do not have to be paid.

If you leave debt with a cosigner who is still living, then your debt will be the cosigner’s responsibility to pay. On some cosigned loan agreements, lenders require that the debt be paid in full immediately after you die.

cremation services in Chesterfield Township, MI

This can put your cosigners in a financial bind, especially if they are not beneficiaries of your estate and they don’t have the money needed to pay the debt in full.

For joint loans, like that of a married couple who have a home mortgage together, the borrower who survives becomes responsible for the remaining amount of debt.

For information about cremation services in Chesterfield Township, MI, our caring and knowledgeable staff at Lee-Ellena Funeral is here to assist you.