When someone passes away, their bills do not pause. The mortgage still comes due, the electricity stays on, and the insurance premium arrives on schedule. Yet the person who always paid those bills is gone, and the accounts that would cover them may be temporarily out of reach. Families across Kemah, Galveston County, and the Houston metro ask us about this gap all the time, so here is how it generally works in Texas probate. Why is there a gap at all? Authority is the issue.