<div dir="ltr">To the list please.  <div><br></div></div><div class="gmail_extra"><br><div class="gmail_quote">On Thu, Jan 7, 2016 at 2:30 PM, Andrew Hay <span dir="ltr"><<a href="mailto:andrewhay@washingtonlaw.net" target="_blank">andrewhay@washingtonlaw.net</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">





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<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 .<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Berlin Sans FB","sans-serif";color:#1f497d"><u></u> <u></u></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.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Berlin Sans FB","sans-serif";color:#1f497d"><u></u> <u></u></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?<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Berlin Sans FB","sans-serif";color:#1f497d"><u></u> <u></u></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?<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Berlin Sans FB","sans-serif";color:#1f497d"><u></u> <u></u></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?<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Berlin Sans FB","sans-serif";color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Viner Hand ITC";color:#1f497d">A<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Berlin Sans FB","sans-serif";color:#1f497d"><u></u> <u></u></span></p>
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<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<u></u><u></u></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"><u></u><u></u></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<u></u><u></u></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<u></u><u></u></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: <a href="tel:%28253%29%20272-2400" value="+12532722400" target="_blank">(253) 272-2400</a></span><span style="font-size:12.0pt;font-family:"Berlin Sans FB","sans-serif";color:black"><u></u><u></u></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:     <a href="tel:%28253%29%20267-8947" value="+12532678947" target="_blank">(253) 267-8947</a><u></u><u></u></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/" target="_blank"><span style="color:black">www.washingtonlaw.net</span></a><u></u><u></u></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:12.0pt;font-family:"Arial","sans-serif";color:black"> <u></u><u></u></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:12.0pt;font-family:"Arial","sans-serif";color:black"> <u></u><u></u></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"><u></u><u></u></span></p>
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<p class="MsoNormal"><span style="font-family:"Berlin Sans FB","sans-serif";color:#1f497d"><u></u> <u></u></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" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a> [mailto:<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">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<u></u><u></u></span></p>
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<p class="MsoNormal"><u></u> <u></u></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black"> <u></u><u></u></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Live long and prosper. 
<u></u><u></u></span></p>
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<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"><u></u><u></u></span></p>
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<p class="MsoNormal" style="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" target="_blank">Eugene D. Seligmann</a> <u></u>
<u></u></span></p>
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<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<u></u><u></u></span></p>
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<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" target="_blank">WSBAPT@lists.wsbarppt.com</a>
<u></u><u></u></span></p>
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<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<u></u><u></u></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black"> <u></u><u></u></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial","sans-serif";color:black">I am retiring from the Bar<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black"> </span><span style="font-size:12.0pt;font-family:"Arial","sans-serif";color:black"><u></u><u></u></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"><u></u><u></u></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"><u></u><u></u></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"><u></u><u></u></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"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:black">Office <a href="tel:%28206%29%20682-2616" value="+12066822616" target="_blank">(206) 682-2616</a><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:black">Direct line <a href="tel:%28206%29%20201-3779" value="+12062013779" target="_blank">(206) 201-3779</a><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:black"><a href="mailto:joni@sbfirm.com" target="_blank">gene@sbfirm.com</a></span><span style="font-family:"Arial","sans-serif";color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:black"><a href="http://sbfirm.com/" target="_blank">http://sbfirm.com</a></span><span style="font-family:"Arial","sans-serif";color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black"> <u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:black">**********<u></u><u></u></span></p>
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