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  1. My father is now quite elderly and unwell. He has gambled heavily for many years and has run up large credit card debts. We don't know quite how large, but he has a number of cards and only pays off the minimum. He is still gambling and I don't think he will stop. My mother is very worried about what will happen should he pre-decease her. The house is in joint ownership and the mortgage has been paid off. We aren't really sure whether she would have to pay his credit card/gambling debts and whether the house would form part of his estate, or pass directly
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