<HTML xmlns="http://www.w3.org/TR/REC-html40" xmlns:v =
"urn:schemas-microsoft-com:vml" xmlns:o =
"urn:schemas-microsoft-com:office:office" xmlns:w =
"urn:schemas-microsoft-com:office:word" xmlns:m =
"http://schemas.microsoft.com/office/2004/12/omml"><HEAD>
<META content="text/html; charset=utf-8" http-equiv=Content-Type>
<META name=Generator content="Microsoft Word 14 (filtered medium)">
<STYLE><!--
/* Font Definitions */
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:Tahoma;
panose-1:2 11 6 4 3 5 4 4 2 4;}
@font-face
{font-family:"Book Antiqua";
panose-1:2 4 6 2 5 3 5 3 3 4;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:12.0pt;
font-family:"Times New Roman","serif";}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:#0563C1;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:#954F72;
text-decoration:underline;}
p
{mso-style-priority:99;
mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:12.0pt;
font-family:"Times New Roman","serif";}
p.MsoAcetate, li.MsoAcetate, div.MsoAcetate
{mso-style-priority:99;
mso-style-link:"Balloon Text Char";
margin:0in;
margin-bottom:.0001pt;
font-size:8.0pt;
font-family:"Tahoma","sans-serif";}
span.EmailStyle18
{mso-style-type:personal;
font-family:"Book Antiqua","serif";
color:#1F497D;
font-weight:normal;
font-style:normal;
text-decoration:none none;}
span.EmailStyle21
{mso-style-type:personal-reply;
font-family:"Calibri","sans-serif";
color:#1F497D;}
span.BalloonTextChar
{mso-style-name:"Balloon Text Char";
mso-style-priority:99;
mso-style-link:"Balloon Text";
font-family:"Tahoma","sans-serif";}
.MsoChpDefault
{mso-style-type:export-only;
font-size:10.0pt;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
--></STYLE>
</HEAD>
<BODY lang=EN-US dir=ltr link=#0563c1 vLink=#954f72>
<DIV dir=ltr>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">
<DIV>Some cards have life insurance tied to them and pay off the
balance. I have an estate now where the client checked the bank and
found out verbally that they will not need to pay for it because of life
insurance. Nothing in writing. I intend to send to them the notice
to creditors as a known creditor ( I have the time to do so) anyway.</DIV>
<DIV
style='FONT-SIZE: small; TEXT-DECORATION: none; FONT-FAMILY: "Calibri"; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; DISPLAY: inline'>
<DIV style="FONT: 10pt tahoma">
<DIV> </DIV>
<DIV style="BACKGROUND: #f5f5f5">
<DIV style="font-color: black"><B>From:</B> <A title=jared@condieadams.com
href="mailto:jared@condieadams.com">Jared E. Adams</A> </DIV>
<DIV><B>Sent:</B> Tuesday, December 23, 2014 1:31 PM</DIV>
<DIV><B>To:</B> <A title=wsbapt@lists.wsbarppt.com
href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</A> ; <A
title=wsbapt@listserv.nethelps.com
href="mailto:wsbapt@listserv.nethelps.com">'WSBA RPPT Probate & Trust
Discussion Forum'</A> </DIV>
<DIV><B>Subject:</B> [WSBAPT] Bank of America and Probate Creditor
Claim</DIV></DIV></DIV>
<DIV> </DIV></DIV>
<DIV
style='FONT-SIZE: small; TEXT-DECORATION: none; FONT-FAMILY: "Calibri"; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; DISPLAY: inline'>
<DIV class=WordSection1>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Hello
All,<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>I
have a client (surviving spouse), whose deceased spouse had a sizeable VISA
credit card balance with Bank of America at time of death (earlier this
year).<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Client
mistakenly thought that the balance had been paid, so no Probate Notice to
Creditors was sent (I didn’t even know about the potential creditor until
later).<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Recently,
client contacted BoA and got the following email reply from a branch manager,
“When verifying with our Estate Enterprise Unit, who normally handle these type
of closed accounts, I was informed that they will provide you a verbal
disclosure over that phone stating that you personally will not be held liable
to the balance on the card and that they are not requesting payment from the
estate.” <o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>I
am surprised…okay, shocked! I’ve never known BoA to walk away from a
payment. Has anyone else had BoA walk away from credit card debt when they
are entitled to payment, the estate is solvent, etc.?<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Client
is willing to pay, but also would be happy to walk away if BoA isn’t going to
pursue it.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Thoughts?<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Merry
Christmas,<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Jared<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: navy'>Jared E.
Adams, JD, LL.M.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: navy'> <o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: navy'>Condie
& Adams, PLLC<BR>611 4th Avenue, Suite A<BR>Kirkland, WA
98033<BR>(voice): (425) 450-1040 <BR>(fax): (425)
450-1041<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: navy'>(email):
</SPAN><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><A
href="mailto:jared@condieadams.com"><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: blue'>jared@condieadams.com</SPAN></A></SPAN><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: navy'><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: navy'>(web):
</SPAN><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><A
href="http://www.condieadams.com/"><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: blue'>www.condieadams.com</SPAN></A></SPAN><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: navy'><o:p></o:p></SPAN></P>
<P class=MsoNormal><B><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Courier New"; COLOR: #1f497d'><o:p></o:p></SPAN></B> </P>
<P class=MsoNormal><B><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Courier New"; COLOR: navy'>Unless
otherwise expressly indicated, any federal tax advice contained in this
communication, including attachments and enclosures, is not intended or written
to be used, and may not be used, for the purpose of (i) avoiding tax-related
penalties under the Internal Revenue Code or (ii) promoting, marketing or
recommending to another party any tax-related matters addressed
herein.<o:p></o:p></SPAN></B></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d"><o:p></o:p></SPAN> </P>
<P class=MsoNormal><B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: navy'>PLEASE
READ THIS ENTIRE DISCLAIMER</SPAN></B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: navy'>
</SPAN><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: navy'><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: navy'>This
message is from the Law Office of CONDIE & ADAMS, PLLC, and is intended only
for the addressee. The information contained in this message is
privileged, confidential, and protected by the attorney-client or attorney work
product privileges. Unauthorized forwarding, printing, copying,
distribution, disclosure or use of such information is strictly
prohibited. If you are not the addressee, please promptly delete this
message and notify the sender of the delivery error by return e-mail or you may
call our office at (425) 450-1040. Nothing in this message should be interpreted
as a digital or electronic signature that can be used to authenticate a contract
or other legal document.</SPAN><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN></P></DIV></DIV>
<P><FONT color=black size=2 face=Arial>=======================<BR></FONT></P>
<P><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: arial, sans-serif">- To contact
the list administrator, send a message to: webmaster@wsbarppt.com</SPAN><SPAN
style="FONT-SIZE: 10pt"><o:p></o:p></SPAN></P>
<P><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: arial, sans-serif">- To
unsubscribe, send a new email addressed to: imail@lists.wsbarppt.com, with the
following in the body of the message: unsubscribe wsbapt - OR - send a message
to webmaster@wsbarppt.com asking that you be removed from the wsbapt
list.</SPAN><SPAN style="FONT-SIZE: 10pt"><o:p></o:p></SPAN></P>
<P><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: arial, sans-serif">Information
provided on this list should not be considered legal advice. As with all lists -
let the reader beware! No warranties or representations are made as to the
accuracy of any information provided. All opinions and comments in this message
represent the views of the author and do not necessarily have the endorsement of
the Washington State Bar Association nor its officers or agents.
</SPAN></P></DIV></DIV></DIV></BODY></HTML>