In Massachusetts who is responsible for a decedent's credit bill?

The Estate of the Deceased, all debts are paid from the assets of the estate, and anything else left over is provided to the heirs in accordance with their will, or if no will by equable division by the probate court. If all the assets are liquidated and there is a balance still due to creditors heirs get nothing but are not responsible for any of the debts.

However, if a family member was a co-signer, or guarantor to any loan or service then they would be responsible for those balances; including nursing home care, etc.