{"id":3753,"date":"2025-10-18T13:50:13","date_gmt":"2025-10-18T11:50:13","guid":{"rendered":"https:\/\/ra-cocron.de\/news\/inheritance-with-risk-when-its-wiser-to-disclaim-the-inheritance\/"},"modified":"2026-05-13T06:48:27","modified_gmt":"2026-05-13T04:48:27","slug":"inheritance-with-risk-when-its-wiser-to-disclaim-the-inheritance","status":"publish","type":"news","link":"https:\/\/ra-cocron.de\/en\/news\/inheritance-with-risk-when-its-wiser-to-disclaim-the-inheritance\/","title":{"rendered":"Inheritance with risk: When it&#8217;s wiser to disclaim the inheritance"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Law Firm Cocron GmbH &amp; Co. KG \u2013 Law firm specializing in inheritance law in Berlin and Munich<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Not every inheritance is a gain. Those who inherit not only inherit the assets of the deceased but also assume their debts and obligations. In many situations, it can therefore be advisable to disclaim the inheritance to avoid financial burdens.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>When inheritance becomes a debt trap<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Many heirs initially expect to inherit valuable assets such as real estate, jewelry, or a savings account. However, it often turns out later that the estate contains debts \u2013 for example, outstanding loans, unpaid bills, or other obligations. In these cases, heirs are liable with their own assets if they accept the inheritance. If there is a suspicion of over-indebtedness or if the financial situation is unclear, disclaiming the inheritance should be considered.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Examining an estate: diligence and speed are crucial.<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">A thorough inventory is important before making a decision. Heirs should:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Review bank documents and account statements,<\/li>\n\n\n\n<li>Review loan and insurance contracts,<\/li>\n\n\n\n<li>Appraise existing real estate and valuables.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Likewise, existing contracts and any outstanding invoices should be checked. Private documents, letters, or emails can also provide clues to liabilities. Important: Avoid hasty decisions, but also avoid unnecessary delays.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Only six weeks to reject the application.<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">The deadline is generally six weeks, beginning from the date the heir becomes aware of the inheritance. If the heir resides abroad, the deadline is extended to six months. Anyone who fails to submit a declaration within this period is automatically considered an heir \u2013 with all rights and obligations. Tacit acceptance occurs, for example, if estate assets are sold or accounts are used.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Procedure for disqualification<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">The disclaimer must be declared in person at the probate court or via a notary \u2013 either at the residence of the heir or the deceased.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Court fees: approximately \u20ac30.<\/li>\n\n\n\n<li>At the Notary&#8217;s office: from approximately \u20ac40, depending on the value of the estate.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">A standalone email or an informal letter is legally invalid; the declaration must be signed and certified.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Alternative: Limitation of liability<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Sometimes it makes sense to accept the inheritance initially, but to limit liability to the estate \u2013 for example, through estate administration or estate insolvency. This way, private assets remain protected.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">An inheritance is not necessarily an advantage. Anyone who is unsure should seek legal advice early on to meet deadlines and find the best financial solution. An ill-considered acceptance can be costly \u2013 while a timely rejection can prevent debt.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Law Firm Cocron GmbH &amp; Co. KG \u2013 Law firm for inheritance law and civil law in Berlin and Munich<\/strong><br\/> Advice on disclaiming an inheritance, liability for the estate and claims to a compulsory share.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Law Firm Cocron GmbH &amp; Co. KG \u2013 Law firm specializing in inheritance law in Berlin and Munich Not every inheritance is a gain. Those who inherit not only inherit the assets of the deceased but also assume their debts and obligations. In many situations, it can therefore be advisable to disclaim the inheritance to [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"template":"","news-kategorie":[30],"class_list":["post-3753","news","type-news","status-publish","hentry","news-kategorie-erbrecht"],"_links":{"self":[{"href":"https:\/\/ra-cocron.de\/en\/wp-json\/wp\/v2\/news\/3753","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ra-cocron.de\/en\/wp-json\/wp\/v2\/news"}],"about":[{"href":"https:\/\/ra-cocron.de\/en\/wp-json\/wp\/v2\/types\/news"}],"wp:attachment":[{"href":"https:\/\/ra-cocron.de\/en\/wp-json\/wp\/v2\/media?parent=3753"}],"wp:term":[{"taxonomy":"news-kategorie","embeddable":true,"href":"https:\/\/ra-cocron.de\/en\/wp-json\/wp\/v2\/news-kategorie?post=3753"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}