Dear PAO,

In 2019, my mother borrowed P500,000, evidenced by a contract of loan. Unfortunately, she died before she could fully pay. She was only able to pay P100,000. She did not leave any property nor any money for us to inherit. The creditor is arguing that my sister and I should pay the remaining P400,000 because we are her children. I just want to know if he can obligate us to pay the debt that our mother contracted.

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