My mother died October, 2011 at the hospital and I was required to sign the release. She already had a plot next to my father whichI was told was paid in advance. After she arrived at the funeral home and I was required to make the arrangement because my older brother refused, I was told she had cashed in her funeral prepaid policy. Now I am being harrassed terribly by an agency. I have not filed probate or accepted "exextorshiip" because her situation was such a mess. They are threatening me and saying they will ruin my credit, etc. Why am I the sole family member responsible for this debt? I do not have the funds and am so afraid they will destroy any chance for me to get back on my feet. I am 56 years old. I homecared for her prior to passing, but her "estate" consisted of a negative figure. What can I do...these men that call are cruel and I have tried to setup a payment plan but they refuse. Please help!!