We live in WI, so each place is different. My Father in law passed away and was broke.
He had MANY charge cards that were like $5000 most charges from late fees when he got sick.
They waved the entire cards, they were unsecured loans. We did sell his car and paid his bank off.
we sold all his belongings to pay for his funeral, the dryer sold last and the $250 placed the marker on his grave.
Not much fun, but check in your state.