Before you pass away, remove your kids as direct beneficiaries of your assets. Instead, place all your assets in a revocable trust and name your kids as beneficiaries of the trust. This allows them to bypass the lengthy probate process and gain immediate access to the assets.
NEVER PAY ON A DEBT THATβS IN COLLECTIONS!!! Once your debt has been sold to a third party THE CREDITOR CAN NO LONGER COLLECT ON THE ACCOUNT! You never signed an agreement with them, send a debt validation letter requesting the original contract with your signature on it and request the assignment contract!!!