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Usually debt cannot be inherited . Creditors however have to be paid before heirs can inherit. There is a difference between a cash shortfall in an estate (which is solvent) and an insolvent deceased estate. Cash shortfalls occur when insuffi- Read more here

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Insolvency Vs Debt Review

Your personal circumstances will determine your best option. Circumstances to be taken into account include (1) your assets/liabilities (2) your monthly income/expenses (3) your occupation and (4) - Read more here

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Mental Health Care act

The common law procedure by application to the High Court for the appointment of a curator ad litem and then a curator bonis. This entails two court applications, and the costs are substantially more than the second procedure. Read more here