Calif. My brother passed away suddenly without a will in place. I am the beneficiary on his life insurance policy, so am taking on the roll of personal representative. My brother's "estate" is not going to cover all of his debt. How do I go about notifying his creditors that there isn't any money to pay them with ? I must handle this without probate-there isn't any money for that either. It will take all that is in his checking account and also the proceeds from the sale of his vehicle to cover the costs associated with his death. Help !What is the name of your state?