What happens to your debt when you die?

Just out of curiosity. Let's say you were in debt £200,000 and your assets were only worth like £100,000, What happens?
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In the US, your debts (liabilities) are passed on to your estate (not your family). Assets of your estate (including life insurance) will be used to pay off the debts. Creditors will write off any balance. If you have credit life insurance, that will be used to satisfy the debt.
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Your remaining assets will be distributed pro-rata to your debt holders. This means the individual debt holders they will get a share of your assets that was proportional to the debts owed.

Since there are no other assets, that is all they will get and effectively experience a loss on their loan to you.
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Here in Australia, I'm pretty sure that your debts would be given to your children or parents or possibly even just close relatives. In case you don't have any family then they just take your assets and give the money to the government.

It could be the same in the UK too.
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The creditors would take any estate value remaining and write off the balance owed unless the deceased is a minor then the parents would be responsible.
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If you're married it goes to your husband or wife. If you are not married then it will discharged once the death certificate has been issued.