Most don’t, no (US). It just goes to your estate, so if you have anything of value that will be sold to help with it before it goes to any of your loved ones.

Disclaimer: I don’t know if this actually happens. Wouldn’t surprise me though.

It depends on the circumstance.

When you die, all your assets become part of your estate, which is usually then distributed either to your spouse, next of kin, or whatever individuals/nonprofits you name in your will.

If your house is part of that estate, and has a mortgage, then if your family wants to claim the house from the estate, they then have to take responsibility for, and pay the mortgage until they can sell the house, for instance.

If you owed a debt before you died, then died, and your estate had money in it, the lender would get to request that the estate pay off the debts owed before the family could lay claim to the remainder.

But in no way do any debts ever simply transfer from a deceased person to the next of kin without explicit consent, often within very specific situations, like taking claim of a house with a mortgage.

No.

But if it did, it’d be funny to just take out a huge loan, use it to enjoy yourself, then when the money runs out, end your life, and the debt goes to a toxic relative to fuck up their life.

Depends on country.

In some it only goes to them if they accept inheritance.

Nah, I checked. Just in case.