What happens to credit-card debt after you die? Will my mother’s IRA be used to pay off her loans?

Dear Quentin,

My mother recently passed away. She had a trust, and she had a handful of credit cards that carried a remaining balance. She also had personal loans, which were used for home improvements. Her house is paid off, and will eventually be sold. She also has an IRA. 

I am left with several questions. Do my…