Germany advises on handling physical and digital inheritance to avoid debt and data loss

In Germany, inheriting a estate can bring unexpected liabilities. Heirs have six weeks to accept or reject a legacy; if they do nothing, the inheritance is deemed accepted. Accepting means personal liability for any debts, mortgages, guarantees or costly property repairs. Experts recommend a thorough review of bank statements, outstanding claims and insurance before deciding, and suggest legal advice to avoid accidental acceptance.

Digital assets are now treated as part of the overall succession under § 1922 BGB. Social‑media accounts, online banking, cryptocurrency wallets and subscription services remain tied to the deceased unless clear instructions and access credentials are provided. Without a documented digital will, heirs face risks of identity theft and loss of valuable assets. Professionals advise compiling passwords, assigning digital trustees and, if needed, using notaries or specialised lawyers to ensure both physical and digital inheritances are managed safely.