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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple style='tab-interval:.5in'><div class=WordSection1><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D'>The award in lieu of homestead operates as a bar to later enforcement of the debts which are subject to the award. So it is effective once probate is closed. The debts which are barred can be stated in the court order, as I recall. Did one of these about 18 months ago.<o:p></o:p></span></p><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D'>The WSBA Probate desk book has a good discussion of the Award in Lieu of Homestead procedures. Check it out.<o:p></o:p></span></p><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D'>The life insurance could be used to pay down the mortgage to use the exemption as you suggest, but it might be wise to confirm this with a bankruptcy attorney.<o:p></o:p></span></p><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D'>Bankruptcy would be an alternative. Ask a bankruptcy attorney if the Homestead exemption under state law (in the judgment enforcement statute) could be used to protect the life insurance proceeds without applying them to the mortgage debt.<o:p></o:p></span></p><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D'>The cost of the BK versus going with the probate and Award in lieu should be considered, if there is no other reason to conduct the probate.<o:p></o:p></span></p><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-fareast-font-family:"Times New Roman";mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>Michael A. Winslow<o:p></o:p></span></p><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-fareast-font-family:"Times New Roman";mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>1204 Cleveland Ave.<o:p></o:p></span></p><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-fareast-font-family:"Times New Roman";mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>Mount Vernon, WA 98273<o:p></o:p></span></p><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-fareast-font-family:"Times New Roman";mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>Ph. 360-336-3321<o:p></o:p></span></p><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-fareast-font-family:"Times New Roman";mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>Em. Mike@winslegal.com<o:p></o:p></span></p><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-fareast-font-family:"Times New Roman";mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'><o:p> </o:p></span></p><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-fareast-font-family:"Times New Roman";mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>This message is from an attorney, so it’s confidential. If you are not the intended recipient, it’s too late to stop reading this message, but you may not use it for any improper purpose. Huge Disclaimer available upon request.<o:p></o:p></span></p></div><p class=MsoNormal><span style='mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;mso-bidi-font-family:"Times New Roman";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";mso-fareast-font-family:"Times New Roman"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";mso-fareast-font-family:"Times New Roman"'> wsbapt-bounces@lists.wsbarppt.com [mailto:wsbapt-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Andrew Hay<br><b>Sent:</b> Thursday, January 07, 2016 2:30 PM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> [WSBAPT] Difficult probate matter<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-family:"Berlin Sans FB","sans-serif";color:#1F497D'>I have a gentleman whose wife died recently. There is no will and no community property agreement .<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Berlin Sans FB","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Berlin Sans FB","sans-serif";color:#1F497D'>He is left with a home with very little equity and a couple of small life insurance policies. The problem is that there is a substantial community liability that's been reduced to a judgment that would eat up the small life insurance policies. So I am reluctant to start a probate.<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Berlin Sans FB","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Berlin Sans FB","sans-serif";color:#1F497D'>I'm trying to figure out if he can benefit from the family support provisions. Are these applicable to only the period that the probate is pending? Or can I use RCW 11.54 to exempt up to hundred and 25 thousand dollars of assets from creditors even after the probate is closed?<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Berlin Sans FB","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Berlin Sans FB","sans-serif";color:#1F497D'>Is it a viable option to use the life insurance proceeds to pay down the mortgage on the home on the premise that he can protect up to $125,000 of equity as a homestead exemption?<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Berlin Sans FB","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Berlin Sans FB","sans-serif";color:#1F497D'>Are there other viable options to preserve the life insurance proceeds (less than hundred thousand dollars) so that these funds are protected from the judgment creditors?<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Berlin Sans FB","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Viner Hand ITC";color:#1F497D'>A<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Berlin Sans FB","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal style='text-autospace:none'><b><span style='font-size:12.0pt;font-family:"Berlin Sans FB","sans-serif";color:black'>Andrew Hay<o:p></o:p></span></b></p><p class=MsoNormal style='text-autospace:none'><b><span style='font-size:12.0pt;font-family:"Berlin Sans FB","sans-serif";color:black'>Hay & Swann PLLC</span></b><span style='font-size:12.0pt;font-family:"Berlin Sans FB","sans-serif";color:black'><o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:12.0pt;font-family:"Berlin Sans FB","sans-serif";color:black'>201 South 34th Street<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:12.0pt;font-family:"Berlin Sans FB","sans-serif";color:black'>Tacoma, WA 98418<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:12.0pt;font-family:"Berlin Sans FB","sans-serif";color:black'>Phone: (253) 272-2400<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:12.0pt;font-family:"Berlin Sans FB","sans-serif";color:black'>Fax: (253) 267-8947<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:12.0pt;font-family:"Berlin Sans FB","sans-serif";color:black'><a href="http://www.washingtonlaw.net/"><span style='color:black'>www.washingtonlaw.net</span></a><o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:black'> <o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:black'> <o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:black'>THIS IS A CONFIDENTIAL COMMUNICATION AND IS INTENDED FOR THE DESIGNATED RECIPIENT ONLY. IF YOU HAVE RECEIVED THIS COMMUNICATION IN ERROR, PLEASE NOTIFY THE SENDER IMMEDIATELY AND DESTROY ALL COPIES</span></b><span style='color:#1F497D'><o:p></o:p></span></p></div><p class=MsoNormal><span style='font-family:"Berlin Sans FB","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='mso-outline-level:1'><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>Martin Silver<br><b>Sent:</b> Thursday, January 07, 2016 8:38 AM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> Re: [WSBAPT] unsubscribe please<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><div><div><div><p class=MsoNormal><span style='font-size:12.0pt;color:black'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:12.0pt;color:black'>Live long and prosper. <o:p></o:p></span></p></div><div><div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'> </span><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:#1F497D'>Mortgage on the home</span><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'><o:p></o:p></span></p></div><div><div><p class=MsoNormal style='mso-outline-level:1;background:whitesmoke'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'> <a href="mailto:gene@sbfirm.com" title="gene@sbfirm.com">Eugene D. Seligmann</a> <o:p></o:p></span></p></div><div><p class=MsoNormal style='background:whitesmoke'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>Sent:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'> Thursday, January 07, 2016 7:53 AM<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:whitesmoke'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>To:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'> <a href="mailto:WSBAPT@lists.wsbarppt.com" title="WSBAPT@lists.wsbarppt.com">WSBAPT@lists.wsbarppt.com</a> <o:p></o:p></span></p></div><div><p class=MsoNormal style='background:whitesmoke'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>Subject:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'> [WSBAPT] unsubscribe please<o:p></o:p></span></p></div></div></div><div><p class=MsoNormal><span style='font-size:12.0pt;color:black'> <o:p></o:p></span></p></div></div><div><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:black'>I am retiring from the Bar<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'> </span><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Eugene D. Seligmann</span><span style='font-family:"Arial","sans-serif";color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Seligmann & Flaherty, PLLC</span><span style='font-family:"Arial","sans-serif";color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>216 First AVE S, #450</span><span style='font-family:"Arial","sans-serif";color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Seattle, WA 98104</span><span style='font-family:"Arial","sans-serif";color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Office (206) 682-2616<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Direct line (206) 201-3779<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><a href="mailto:joni@sbfirm.com">gene@sbfirm.com</a></span><span style='font-family:"Arial","sans-serif";color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><a href="http://sbfirm.com/">http://sbfirm.com</a></span><span style='font-family:"Arial","sans-serif";color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial","sans-serif";color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>**********<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>This e-mail may contain information that is privileged, confidential or otherwise protected from disclosure. If you are not the intended recipient or otherwise have received this message in error, you are not authorized to read, print, retain, copy or disseminate this message or any part of it. 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