Suppose someone's great grandfather stole from my great grandfather something I was supposed to inherit. They inherited it instead.
It remains stolen property that belongs to me.
If someone dies and they owe money, the creditors have a claim to the estate.
If their claims exceed the value of the estate, they are out of luck; they can't go after other parties to recover everything.
If someone dies and leaves your their house, but it is mortgaged, then the mortgage likely has to be paid off before the title is transferred.
Creditors having a right to the estate means that you can't borrow (or steal) something, die, and have that property pass it to a heir free and clear.