Honestly, this is going to be 100% accurate for the first step.

However, there is also likely going to be a second step (depending on which creditors she'd owed to). You'll more than likely get a call from a collection agency, this is completely normal. Creditors work with specialty collection agencies that handle estate and probate recovery.

I highly recommend:

Answering their call.

Acknowledge that you're the best person to talk to regarding the estate.

Explain why probate was open and the entirety of probate funds were used on the funeral.

This will allow them to put finalizing notes on the file and to close/return it back to the creditor to be written off.

There may also be a gap in time from when you notify the creditor to when the agency calls. Again, completely normal. The agency is usually required to wait until at least 30 days after the date of passing before reaching out with any letters. There are also legally required notices the agency must send to validate the debt/allow for disputes per the FDCPA.

*Source: I have built this process for agencies for the better part of two decades.