<html 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" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=us-ascii">
<meta name="Generator" content="Microsoft Word 15 (filtered medium)">
<!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style><![endif]--><style><!--
/* Font Definitions */
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@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:"Bickley Script";
panose-1:3 2 2 2 4 6 7 10 9 3;}
@font-face
{font-family:"Freestyle Script";
panose-1:3 8 4 2 3 2 5 11 4 4;}
@font-face
{font-family:"Viner Hand ITC";
panose-1:3 7 5 2 3 5 2 2 2 3;}
@font-face
{font-family:"Berlin Sans FB";
panose-1:2 14 6 2 2 5 2 2 3 6;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:blue;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:purple;
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.BalloonTextChar
{mso-style-name:"Balloon Text Char";
mso-style-priority:99;
mso-style-link:"Balloon Text";
font-family:"Tahoma",sans-serif;}
span.EmailStyle20
{mso-style-type:personal;
font-family:"Arial",sans-serif;
color:windowtext;}
span.EmailStyle21
{mso-style-type:personal;
font-family:"Berlin Sans FB",sans-serif;
color:#1F497D;}
span.EmailStyle22
{mso-style-type:personal-reply;
font-family:"Calibri",sans-serif;
color:#1F497D;}
.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><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body lang="EN-US" link="blue" vlink="purple">
<div class="WordSection1">
<p class="MsoNormal"><span style="color:#1F497D">My 2 cents: <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">One cent: As to the pay down of the mortgage, don’t forget that the judgment is already a lien on the equity. So a little math needs to be done.
<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">The other cent: The insurance policy proceeds are not probated and therefore are not subject to creditors’ claims.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal"><b><span style="font-size:22.0pt;font-family:"Bickley Script";color:#1F497D">Ralph Maimon<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">LAW OFFICE OF RALPH MAIMON, P.S.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">2811 E. Madison Street, Suite 202<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">Seattle, WA 98112</span><span style="font-size:12.0pt;font-family:"Freestyle Script";color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">(206) 323-0911 Office<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">(206) 462 1505 Fax<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D"><a href="mailto:rmaimon@maimonlaw.com"><span style="color:#0563C1">rmaimon@maimonlaw.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">www.maimonlaw.com<o:p></o:p></span></p>
</div>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<div>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b>From:</b> 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 <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBAPT] Difficult probate matter<o:p></o:p></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://cp.mcafee.com/d/5fHCN0idEIfFFTssvKrKrhKOOYNtZxcSztBBVyXVEVhdETppuoK-MOrhKOOYNtN54T5npaRw2BtAHm1-CendGX9mI3ZcsKrd7be_XPz_nVxBV5N7HTbFIEKsqenbCzBd7BHEShhlKyzOEuvkzaT0QSyrpdTdTdw0z6Q9OwhDm1-Ce1K6P526HjbAaJMJZ0kvaAWsoEgSaOQ-ndFLEIcCPiS0EMcy0m19Ftd40t9RSlCPVCy1qdi6PYQgaXevNdIICReWr"><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"><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="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://cp.mcafee.com/d/avndzgs91MwrhovjjKUU_sTsSztBBVyXX2pJ6XbbP5TPhOyrhKOOYNtZxASztBBVyXya9KaKOlH05aX9mI3ZcsKrlSiJo7WoVsSqemt_TD7-LP3bObyfnKnjphsUQsKnd7aqfbnhIyyHt57BgY-F6lK1FJcSOrKrKr01Q8eOyHO-6P526HjbAaJMJZ0kvaAWsoEgSaOQ-ndFLEIcCPiS0EMcy0m19Ftd40t9RSlCPVCy1qdi6PYQgaXevNdIICWUMr_XWC">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. If you are not the intended recipient or otherwise have received this message in error, please notify us immediately by e-mail,
discard any paper copies and delete all electronic files of the message. <i>Circular 230 Notice: This communication may not be used by you or any other person or entity for the purpose of avoiding any federal tax penalties.</i></span><span style="font-size:12.0pt;color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">**********</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
<div class="MsoNormal" align="center" style="text-align:center"><span style="font-size:12.0pt;color:black">
<hr size="3" width="100%" align="center">
</span></div>
<p class="MsoNormal"><span style="font-size:12.0pt;color:black">_______________________________________________<br>
WSBAPT mailing list<br>
<a href="mailto:WSBAPT@lists.wsbarppt.com">WSBAPT@lists.wsbarppt.com</a><br>
<a href="http://cp.mcafee.com/d/2DRPowcCQm7QQXKefTdTdETppuoK-MCrhKOOYNtYQsECQrIILcnvopdETppuoKUyyryHIBqM1iKOlH0_j7bCRtAHm1-CendCzBDvZVN_HYMOYyUzRXBQSkned7bBPhOCzORQr8EGThhVkffGhBrwqrpdICXCXCM0oCHIetF7BY4RtxxYGjB1SK6a4dmCrck8qJcKgGT2TQ1hYGjFNyx3oHbjVsSC-yMOrdbo2z0O81o4CBQQg1QDnpmrfCq85ER8rfPh0HIV_4SOOraW6x">http://mailman.fsr.com/mailman/listinfo/wsbapt</a><o:p></o:p></span></p>
</div>
</div>
</div>
</div>
</body>
</html>