Death may be the end for some, but for this family, it was the beginning of RM700k worth of headaches and nonstop calls demanding payment for loans they never took.
A Malaysian man recently shared in the Facebook group “Muflis Bankrupt di Malaysia” that he has been facing relentless pressure from a bank to settle his late father’s massive debt despite not being legally obliged to pay anything beyond the value of the deceased’s estate.
According to his post, his father passed away four months ago, leaving behind debts amounting to RM700,000 and assets worth only about RM200,000.
Eldest of 7 siblings, father left behind complicated family situation
The man revealed that he is the eldest of seven siblings from three different mothers. Two of his siblings are still in school, while his late father’s widow is Thai.
Despite the complex family structure, the responsibility of dealing with the outstanding loans is allegedly being pushed onto him.
It’s impossible for me to pay RM700k. I’m only a grade 27 worker. My siblings don’t have stable jobs,” he wrote.
Father refinanced rental house twice, instalments outweigh rental income
One of the assets left behind is a rental house, which the father had supposedly refinanced twice. The monthly repayment stands at RM2,500, while the rental income is only RM1,000.
The man said he never interfered while his father was alive and only learned about the refinancing later.
Unable to shoulder the instalments, he decided to let the bank seize and auction the house in hopes of reducing part of the debt.
Claims bank calls every day & even contacts his mother who divorced in 2002
However, his attempt to follow the proper process didn’t stop the harassment.
He claimed that bank staff have been calling him daily, pressuring him to take responsibility for the RM700k loan his father left behind.
Worse, he said they have been calling his mother who divorced his father back in 2002 and pushing other relatives to “settle” the debt.
I’ve already explained my situation. They still keep calling my mum. She was just his ex-wife,” he wrote.
Feeling overwhelmed, he asked the group how to handle what he described as harassment.
“ I really don’t want to pay. When he was alive he didn’t support us and caused hardship. Even in death, he’s still causing trouble,” he said.
Netizens: Heirs don’t inherit debt — only estate pays
Many netizens were quick to remind him that under Malaysian law, heirs do not inherit debt personally.
Debt collectors can only deduct what remains of the deceased’s estate — not the children’s income or personal funds.
One commenter wrote:
“Debts must be paid, but only from the deceased’s assets. Don’t destroy your life paying someone else’s loan.”
Another questioned why the ex-wife was being contacted:
“Something wrong somewhere. Ex-wife has no responsibility unless she’s a guarantor. You can ignore those calls.”
Many advised him to block unknown numbers, use apps like Truecaller, or change his contact number to reduce the harassment.
Some ask if mortgage insurance was not applied to the refinanced house
A few netizens also suggested checking whether the refinanced house had mortgage reducing term insurance (MRTA/MLTA), which usually covers home loans in the event of death.
