Can Roth IRA Be Used As Collateral? 
I have not heard of a ROTH IRA being used as Collateral however , I suppose you might be able to put together a `` collateral assignment '' which means upon death , the unpaid collateral will be taken out of the value the ROTH is as the time of death with the remaining balance going to your heirs . I would have to do more research to be sure this would hold up as a contract however . You might be better off getting a small life insurance policy to cover that debt if that is indeed what you are covering . 