Q: Can you legally adopt another person's debt and take it with you literally to the grave with zero passdown
A: You cannot adopt another person's debt and take it on as your own unless you have willingly assumed responsibility for the debt through a legal agreement or contract, such as co-signing a loan. Debts are typically tied to the individual who incurred them, and they are not automatically transferred to another person upon their death. However, there can be exceptions and specific circumstances where certain debts may be passed down to surviving family members or estate beneficiaries.
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