Not an easy subject, but since the subject has come up I will make one more plea for others to make their wishes known to those who will have to deal with the loss.
Couple of years ago we lost a cousin, old single guy with no children, living in Florida (2000 miles away from us). He passed away quite suddenly. I was detailed to take care of the family responsibilities.
By the time I got there the hospital morgue staff were pushing to get the remains out of there. I called 3 local funeral homes to inquire about services and expenses, within a few hours I had two of them trying to claim the remains from the morgue before they even discussed it with me (I later found that Florida funeral operators issue the death certificates, needed for all final affairs, so essentially they were looking to lay claim to a lien on the dead body's estate).
The house had an alarm system, I did not have the access codes. Nice visit by local law enforcement when I entered; probably the only reason I didn't need a lawyer and bail bondsman was my retirement badge and ID.
No will. No notes or written instructions. No pre-paid funeral plan. No power of attorney to act on his behalf.
His big annual vacation trip was always to play golf at Myrtle Beach with a bunch of his old co-workers. I contacted them, arranged cremation, sent the remains to his friends, and he now lies on the fairway of the 17th hole (in view of his best friend's patio). Tough decision to make, but something had to be done and I did what I thought he would like.
17 months later, and $15,000 out of pocket for final expenses, legal fees, and court costs, we were finally able to close the estate. All of his bills were paid in full, and we were able to recoup expenses from sale of his home.
We knew of only two living relatives, both first cousins. Based on his address book and correspondence I found two other first cousins on his father's side of the family, of whom we never knew anything. I ran them down in Texas, let them know our cousin had died, and included them in the estate equally.
Everything would have been much easier on everyone involved if there had been a last will and testament and some instructions for the survivors.
If you do not have a will GET IT DONE NOW. If you haven't updated your will in a few years DO IT NOW. Make your wishes crystal clear, don't leave others to make your decisions for you. Make sure there is a mechanism by which your bills and expenses can be paid using YOUR MONEY if possible.
I spent 3 weeks in Florida, 2000 miles away from home, including Christmas and New Year. Then my wife and I spent nearly a year and a half paying the bills, paying the lawyers, and paying the court costs (had to post a $250,000 surety bond to act as executor of a $150,000 estate, minus the mortgage and car note).
Please get it done now. Make sure those who will have to deal with your business have your instructions on how to do it.