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Digital legacy: accounts, subscriptions and bills

What happens to accounts, subscriptions and automatic payments after someone dies, in what order to deal with them, and why it is worth thinking about while all is well.

Twenty years ago a person's belongings could be counted and touched. Now a large part of them is on a screen: email, photographs, accounts, subscriptions quietly taking money every month. After a death that part does not disappear — the family simply has neither the passwords nor any idea where to begin.

This article is about the practical side. The legal side of an estate is handled by a sworn notary — that is covered separately in the article on inheritance in Latvia. If you need help with the funeral and the documents, call: +371 2208 4540

What needs attention first

These things are not equally urgent, and it is worth sorting them rather than taking on everything at once.

What it isWhy it matters, and how urgent
Automatic payments and subscriptionsUrgent: they go on taking money by themselves. This is where the bills a family discovers months later come from
Bank accountsHandled through the bank with the death certificate, and then within the inheritance matter. There is no need to use someone else's access yourself
The mobile numberMore important than it seems: confirmation codes arrive on it. While the number is active, some matters are easier to settle
EmailIn effect the key to the rest: bills, contracts and payment notices arrive there
Photographs and documents in the cloudNot urgent, but what families most regret losing access to
Social mediaLast. Each service has its own procedure, and the family has to decide what to do with the profile

The order to work in

  1. Make a list. Look at the last two or three months of bank debits — every recurring payment shows up there, including the ones nobody remembered.
  2. Stop what is taking money. This is the only genuinely urgent step. The rest can wait.
  3. Deal with the bank using the death certificate, and then within the inheritance matter before a notary.
  4. Do not rush to disconnect the mobile number. While it works, codes arrive on it without which some steps are impossible.
  5. Contact services through their own procedure. Each has its own rules for the accounts of people who have died, and these change from time to time — so always check the current procedure with the service itself.
  6. Save the photographs first. They are the part that does not come back.

The two mistakes that cost most

The first is logging into accounts with passwords you have found and "sorting it all out". It seems quicker, but it is access to someone else's account, and later, when the inheritance matter is dealt with, it can raise questions. There is a better route: with documents, through the bank, the service and the notary.

The second is deleting everything at once. In the first weeks it feels right: close it, wipe it, so that it does not hurt. A year later families often look for exactly what was deleted — messages, voice notes, photographs. Deletion cannot be undone. If in doubt, keep a copy and come back to the question later.

What can be prepared in advance

The right time to think about this is when nothing has happened. No lawyers or complicated steps are needed — a single sheet kept where the family will find it is enough: which bank holds the accounts, what the mobile number is, which subscriptions exist, where the photographs are kept. Passwords need not be written there.

It is the same idea as funeral planning: stating your wishes in advance takes decisions away from the family at the moment they are hardest to make.

And do not forget what is not digital: rights to a burial plot do not pass by themselves either — they are taken over by application to the cemetery keeper. If the family still faces the funeral arrangement and the paperwork, we take that on.

Read about funeral planning

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