Deceased Parent, No Executor, No Will, No Personal Representative, No Estate

My mom passed away with credit card debt. She had no will, only a checking account with $3000. She was divorced and the children and grandchildren see no purpose paying for probate fees or even trying to recoup the $3,000 from the bank account. No joint account holders or authorized users on any credit cards or bank accounts. She owned no car, no house, her possessions were given away when she entered the nursing home. No life insurance

Creditors are insisting that someone in the family (one of her adult children) is legally the 'personal representative" and has to be responsible for 'managing the estate"