I think the person who said to deduct it out of what they pay you back. For example if they owe you $6000 each, and they each would get $1200 from what your mom left you, tell them they owe you $4800. That way if they don't ever pay you back, you're not losing even more money, and if they do, it will be fair.

ETA: What Candace said. She actually did the math whereas I only estimated