Wholesaling question involving a deceased owner and over leverage

[James Richter]

I am currently in the process of evaluating a deal involving a home that has a balance of two mortgages totaling 61k. the previous owner took out a second mortgage to pay off all of his toys. I find with all the deferred maintenance on the home that it is worth approximately 32k. in a situation like this does the deceased owners life insurance, estate liquidation or retirement plan ever cover some of the debt still owed on a property? I would like to help the father move on but if the numbers don't work out I can't help him as much as I would like to.

Thanks for reading everybody!