A' is partially right... whomever cosigned the loan is screwed, but, the next of kin usually is not. If the person is a single adult, then after selling everything the dead person owned, the debt is paid off as best as possible, and and remaining debt is just a loss to whomever issued the debt. If the person is a minor or is married, then the parents/spouse would inherit most of the debt as far as I'm aware... but not all.
For example, I'm pretty sure I would not inherit my wife's student loan debt. The government is going to just have to take that as a loss. I think I'd probably still be stuck with her credit card debt, even though I didn't sign up for those... if I understand correctly, I could try to go to court and get rid of that debt if I can prove I didn't know she had them... but otherwise, I'll have to pay.
Considering both our names are on the mortgage, I'd just become the only person responsible for the mortgage if she dies (however, I hope she doesn't, considering we're only 8 or so years away from paying off our mortgage). Any relative who is not the parent/legal guardian or spouse of the dead person, will not be responsible for the debt in any way, as far as I know. I think that holds true in almost every country.
So, if you're just a brother/sister, aunt/uncle, cousin, etc, then don't worry!
All the companies and people owed money will file with the government for their part of what the dead person left behind, and a judge will divide it among them. If there's any left, the family gets it. If the dead person has only debt, all those companies and people have to suck it up.
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.