<human>: Hello lawer-ly folks of reddit, 

A deceased relative cosigned a student loan of mine. The loan guarantor just informed me that, per the terms of the promissory note, the remainder of the balance is now due and will now be sent to a third-party collections agency, who will seek to obtain the balance **from the estate**. For the record, I have never been late or missed a payment on the loan, it's just the terms of the loan from the promissory note since the loan "was granted based on [the relative's] eligibility" and not mine.

The guarantor specifically stated in the notification letter that:

> We will **not** report your loan as defaulted to the consumer
> reporting agencies unless the loan is charged off due to valid 
> delinquency. While the promissory note you signed may state that
> the loan is in default and due and payable once your cosigner
> becomes deceased, we do not place the account in a defaulted
> status unless there is non-payment.

Here's the twist: A relative is the sole executor of the estate (longer, irrelevant story) and the lawyer is not at all forthcoming with any information about the will. We don't even know what assets were in the estate at the time of death, since the relative in question essentially gained full legal control of his/her affairs. We're also not sure what the probate status of the will is.

Could you distill the essence of the text into 1-3 sentences?
<bot>: If my relative has cleaned out my relative's estate prior to probate, and refuses payment by claiming the estate is insolvent, will the collection agency be able to hold me responsible for default?