Exactly. When my wife passed away the only thing we owned were personal items and one vehicle.

The collectors were sending demand letters for an estate of which there was none. Eventually I quit opening the letters and carried a marker with me to the mailbox. When something was sent to the estate of the address was blacked out, they had "return to sender - no estate" put on the front, and they were put in the outbox. After a few months they stopped coming.

If someone was coming to the door (didn't happen in my case) I would simply have a page written up to hand them that states the person they are looking for is deceased and if they didn't own anything that there was no estate. It would go on to say that they personally, along with any person's they work with or for, as well as any subsequent agents are trespassed. If they contact you for the matter again law enforcement will be contacted. It would be handed to them and a picture of them would be taken after which the door would be closed.

The only way a family member can be held liable for a debt is if they have cosigned the debt.