Keeping your digital life organized is tricky. Passwords here, files there, a couple of flash drives in the junk drawer.

Imagine what it will be like for someone to make sense of it after you die: photos from family trips posted on Flickr, e-filed tax return PDFs tucked in a desktop folder, maybe even bitcoins stashed who knows where.

Untangling this digital clutter makes the task of cleaning out a deceased loved one’s house seem relatively easy. At least you can see what’s there.

Even if survivors have a pretty good idea of what’s where online, accessing this information may still be difficult — or impossible — thanks to a combination of federal privacy rules and terms of service for digital services. The result? Anything from financial headaches to prolonged heartache.

It’s an increasingly common problem, said James Lamm, an estate planning attorney with Gray Plant Mooty in Minneapolis. He’s become a national expert on the topic, working with a group of lawyers to update state laws, meet with tech companies and clarify federal privacy laws related to digital footprints after death.

“A lot of these laws were passed before Google or Facebook or Twitter existed,” said Lamm, who blogs about the topic at “Laws just have not kept pace with the digital world we live in these days.”

He can rattle off one example after another. Some are matters of inconvenience. For instance, trying to settle financial accounts after death when bills are tied to online bank accounts.

“In the past, we’d use the U.S. mail. We’d watch the mailbox for bills and statements to come in,” Lamm said. “We don’t have that anymore if it’s locked up in the digital world.”

Others are sentimental, even heart-wrenching, like an Orono family trying to access their son’s text messages and e-mails to try to understand his death from hypothermia.

Jacob Anderson's body was found in December near the Stone Arch Bridge, but it’s unclear how the 19-year-old University of Minnesota freshman ended up there after walking a friend home from a party. His parents tried to access his text messages and other digital data, hoping to learn more, but they ran into roadblocks because the case was ruled accidental. (More access may have been available to law enforcement in a criminal case.)

They’ve since launched an online petition, “Allow Access to Jake’s Digital Data,” asking for support to change laws governing access to digital data after death. It’s garnered more than 3,900 signatures.

Lamm hopes the Minnesota Legislature picks up the issue of digital property after death in 2015. Delaware has already adopted the Uniform Fiduciary Access to Digital Assets Act — giving personal representatives access to data to settle an estate — and Lamm said officials from about 20 states, including Minnesota, are reviewing it. He and Gene Hennig, another attorney from Gray Plant Mooty, helped draft the language.

But state laws are just one piece of the puzzle. There are still federal privacy and computer crimes laws to consider, and while there are a couple of court cases winding through the system that could illuminate access, it will be a while before there’s any resolution.

Until then, here’s what Lamm suggests for those who want to get their digital possessions in order:

1. Make a list of your digital property, including online accounts, user names and passwords, and store it somewhere safe. Keep it updated.

2. If you have anything valuable stored in the cloud, regularly back it up on your computer or a flash drive. That leaves two options for accessing it.

3. Amend your will or other estate planning documents to specify who should have access to digital assets, from social media to banking to iTunes.

Even then, Lamm said, there’s no guarantee the tech companies that hold the data — and fear expensive penalties for violating federal privacy laws — will turn it over. But it’s a start. “Digital assets shouldn’t be any different than your real estate or your bank accounts or even your written diary,” he said.

If you don’t want your family reading your e-mails? Specify that, too.

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