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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Garamond","serif"">Cy,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Garamond","serif""><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Garamond","serif"">That’s what BECU told me when this happened. Whether the account-holder knew it I guess doesn’t matter if they
</span><span style="font-size:8.0pt;font-family:"Garamond","serif"">signed the agreement.</span><span style="font-size:12.0pt;font-family:"Garamond","serif""><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Garamond","serif""><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Garamond","serif";color:black">Lisa E. Schuchman<br>
206-325-2801<br>
<a href="http://www.lisaschuchman.com/" target="_blank"><span style="color:blue">www.lisaschuchman.com</span></a><br>
<br>
I prefer an excess of caricature to an excess of censorship. -Nicolas Sarkozy<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Garamond","serif";color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Garamond","serif";color:black">NOTE: I do not use encrypted email. Messages sent to or from my office via email are not secure and may not be protected by attorney-client privilege. This email
address is not monitored at all times. If your matter is urgent, please phone my office during regular business hours.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Garamond","serif";color:black">Any tax advice included in this document and its attachments was not intended or written to be used, and it cannot be used, for the purpose of avoiding penalties
under the Internal Revenue Code.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:24.0pt;font-family:Webdings;color:green">P</span><span style="font-size:10.0pt;font-family:"Arial Narrow","sans-serif";color:green">
</span><b><span style="font-size:7.5pt;font-family:"Arial","sans-serif";color:#008100">Please consider the trees before printing this document</span></b><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif""> wsbapt-bounces@lists.wsbarppt.com [mailto:wsbapt-bounces@lists.wsbarppt.com]
<b>On Behalf Of </b>Cyrus Field<br>
<b>Sent:</b> Thursday, May 21, 2015 8:52 AM<br>
<b>To:</b> 'WSBA Probate & Trust Listserv'<br>
<b>Subject:</b> Re: [WSBAPT] BECU issues<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="color:#1F497D">Rebecca- Are you sure the accounts aren’t “cross collateralized” (or something like that) meaning they take a security interest in any bank accounts for amounts owed? I remember from bankruptcy law that credit
unions could do that, in contrast to most banks, which turned them into secured creditors and bumped them up the ladder in terms of probate creditor priority. Thanks, Cy<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">
<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Rebecca King<br>
<b>Sent:</b> Wednesday, May 20, 2015 4:10 PM<br>
<b>To:</b> 'WSBA Probate & Trust Listserv'<br>
<b>Subject:</b> Re: [WSBAPT] BECU issues<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="color:#1F497D">The biggest concern I have with BECU right now is that they seem to avoid the requirement of submitting a creditor’s claim when a decedent has an outstanding balance on a credit card with them. They just withdraw
the outstanding balance on the credit card from the decedent’s checking/savings accounts. Their justification is that their account agreements authorize them to do that. It essentially puts them ahead of every other creditor that may have a claim undermining
the creditor claim statute.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">Thanks, Beth.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Script MT Bold";color:black">Rebecca King<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:black">Attorney<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="color:black">Northwest Elder Law Group<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="color:black">11300 Roosevelt Way NE, Suite 101<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black">Seattle, WA 98125<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black">(206) 937-6102<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black">Fax (206) 830-9326<o:p></o:p></span></p>
<p class="MsoNormal"><i><span style="font-family:"Book Antiqua","serif";color:black"><o:p> </o:p></span></i></p>
<p class="MsoNormal"><i><span style="font-family:"Book Antiqua","serif";color:black">Providing Services in Elder Law<o:p></o:p></span></i></p>
<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:black">CONFIDENTIALITY NOTICE: This e-mail message, including any attachments, is for the sole use of the intended recipient(s) and may contain confidential and privileged
information protected by law. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">
<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Beth McDaniel<br>
<b>Sent:</b> Wednesday, May 20, 2015 1:54 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv<br>
<b>Subject:</b> [WSBAPT] BECU issues<o:p></o:p></span></p>
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</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Mates,<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">I’m embarrassed by the delinquency of my request, but I have a meeting tomorrow, May 21, 2015, with a Vice President from BECU and someone from their compliance department to address concerns and frustrations that I have had over the years
with BECU. I would like to share your concerns too. If you have had an issue with BECU could you please send me an e-mail describing what happened so that I can relay that to BECU?<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">The meeting stems from a lunch I had with the Vice President. I shared with her what I tell estate planning clients who have accounts and/or liabilities with BECU. I am thankful that they are open to a meeting and am optimistic about
a positive outcome.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">My e-mail is <a href="mailto:beth@bethmcdaniel.com">beth@bethmcdaniel.com</a>. Thank you.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:10.5pt;font-family:Consolas">Beth A.McDaniel<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.5pt;font-family:Consolas">Law Offices of Beth A. McDaniel, PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.5pt;font-family:Consolas">272 Hardie Avenue SW<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.5pt;font-family:Consolas">Renton, WA 98057<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.5pt;font-family:Consolas">(425) 251-8880<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.5pt;font-family:Consolas">fax:(425) 336-2505<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.5pt;font-family:Consolas"><a href="http://www.bethmcdaniel.com/"><span style="color:blue">www.bethmcdaniel.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.5pt;font-family:Consolas"><a href="mailto:beth@bethmcdaniel.com"><span style="color:blue">beth@bethmcdaniel.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.5pt;font-family:Consolas"> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.5pt;font-family:Consolas">This communication contains confidential information and may be attorney/client privileged. If you are not the intended recipient, or believe you have received this communication in error,
please reply to the sender stating that fact and delete the copy you received.<o:p></o:p></span></p>
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