We could give a lot of legal answers to that question, and we do think the legalities are important. Taking care of matters such as estate administration or life insurance can help you move on in the future with the proper finances and peace of mind. However, we also know that someone who has just lost a romantic and life partner has to take some steps to deal with that loss.
Many people fall behind on their debt payments due to situations beyond their control. If you're facing overwhelming financial difficulties for any reason, you may be able to file for Chapter 13 debt relief. This is different from filing for Chapter 7, which allows for a liquidation of your assets and a discharge of all or most of your debts. Filing for Chapter 13 is a way to restructure your debt, continue to pay it off and perhaps get some relief from certain obligations.
When it comes to estate planning, it's likely that you have a solid idea of what you are trying to accomplish.