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: 1.) The first bill that gets paid is the funeral director.

2.) If "unsecured creditors" means "credit card lenders",
there is a good chance the deceased person's account had account balance life insurance.
If so, that matter is settled.

3.) All of these things vary by state.
Get a lawyer now.
Spend no money that is not an emergency expense unless you get your lawyer's OK.

4.) If the car is more than a few years old, it probably is not worth nearly enough for an unsecured creditor to sue in an attempt to recover the car's value. The value in court almost certainly would be the wholesale value of the vehicle. That is likely to be a lot less than the cost of attorney's fees to sue.

Under NO conditions whatsoever should you try to get any property unencumbered from a lien or mortgage unless your lawyer tells you to do so. Unless a lawyer who is bound to work for you by a written agreement tells you to clear the mortgage or to pay of the car, DO NOT pay off these things yet. It might be a good idea to let the payment get a bit behind, so the property looks even less attractive to third-party bill collectors.

Ask a lawyer about all of these things.
Pay NOTHING that is not an emergency expense unless a lawyer tells you to pay.

Peace be with you.
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