Legal Question in Wills and Trusts in Texas

you must discuss this with your probate lawyers....the facts described are not clear..and if lawyers make mistakes, they may have a way to correct the error..if a misunderstanding, it may not be their fault..no reasonable answer is possible on such little information

I really don't have enough facts but if your father was personally liable on the notes for the cars, then his estate is liable on those notes as well when he passed. When you turned the cars in, (which is what this sounds like, but it not entirely clear) there was probably a deficiency. The estate is liable for the deficiency. You are not personally liable. If the estate has other assets, they are used to pay off creditors before they are distributed to the beneficiaries. Hope this helps and sorry for your loss.