Category: Systems & Risk Boundaries
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在美國也有本票嗎？債務會不會牽連家人？一次講清楚責任邊界 Are There Promissory Notes in the U.S.? Will Debt Affect Your Family? Understanding Legal Boundaries
很多人以為「本票」是台灣才有，其實美國也有 Promissory Note。重點不是名詞，而是責任邊界：誰簽名誰負責、保證人是什麼、親屬為何通常不會被連坐、過世後債務如何以遺產清償。一次看懂，才能安心做決定。Promissory notes exist in the U.S., but the key is boundaries: who signed, who guaranteed, and who did not. Learn why family members usually aren’t liable, how debts are handled through an estate, and what to watch for before you co-sign or guarantee a loan.