1. Dear Do, the first thing you need to be aware of, is that these debts have not died with your father. They continue in being after his death and fall now to be discharged from the estate he has left to his descendents. This means that whoever, takes out letters of administration to his estate will have to pay off these sums. However, be aware that in the interim, his assets, such as the house, will be liable to be attached in order to discharge these debts. So, it is likely that the credit card and other debtors will seek to charge them upon the house once they find out your father has died.
2. However, you are correct, in that there is a six year time limit from the date of judgment for the validity of these debts. However, if your father made a payment in respect of the judgment, this revives the judgment and it is then six years from the date of last payment that the Statute of Limitations runs.
3. In relation to the debts for which there has been no judgment obtained, it is six years since the date when the debt fell due for payment. So, if these debtors don't proceed to judgment their claims fall away after six years.
4. Ultimately, you can seek to wait six years and hope that the creditors die a death by means of the Statute of Limitations. However, it is more likely that one creditor will seek to act for all the combined debtors and seek to attach and sell the asset your father has, namely the house. So, whilst you can wait, you are taking a chance that the creditors will not pursue things vigorously.
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6. The only way you can put the house in your mother's name is ***** ***** administer the estate of your late father. However, whoever is executor is obliged to pay these debts that are owing if they want to administer the estate. Otherwise the executor or administrator of the estate is committing a fraud on the creditors. So whilst the house cannot be charged if it is in the name of your mother, if it was put there without paying the creditors, the creditors can get this transfer set aside as a fraud on the creditors.