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Why Is The Bank Telling Me I Have To Keep Making Payments On My Deceased Husband's Loan? (missouri)

Hi. My husband passed away last month. He had a motorcycle he still owed on.

The dealership screwed up the paperwork when he bought it-they put the wrong VIN. On that VIN, I was a TOD on the registration.

4 months later, they corrected the paperwork with the right VIN. I am not a TOD on this one, and I have confirmed this with the DMV.

I am not on the loan. I took his death certificate to the bank the loan is through and they told me I need to keep making payments, refinance into my name, or pay it off.

I can't ride a motorcycle, and I don't want to keep it. I am planning to tell the bank to take it back, but I'm confused on why they are insisting I do anything but that. Have they just been too lazy to pull the paperwork? MO isn't a community property state so I don't see how I could be liable.

ETA my husband didn't leave behind much that could be considered an estate according to the probate attorney I spoke with last week. Just his life insurance that was paid to me, his 401(k) that I am the beneficiary of, and some stocks that I'm not the beneficiary on but aren't worth enough for me to pay to pursue.

submitted by /u/midnights7
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Why Is The Bank Telling Me I Have To Keep Making Payments On My Deceased Husband's Loan? (missouri)

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