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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Thera are penalties in the federal Consumer Protection Act. You should look at the law and the relevant bad acts by financial entitles as the feds seems to
be more serious about enforcement than the WA state AG’s office and their consumer protection division.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Good luck.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">k<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:black">Katherine Kramer Laird</span><span style="color:#1F497D">
<br>
</span><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:gray">CenturyPacific, LP</span><span style="color:#1F497D">
<br>
</span><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:gray">Suite 1680</span><span style="color:#1F497D">
<br>
</span><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:gray">1201 Third Avenue</span><span style="color:#1F497D">
<br>
</span><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:gray">Seattle, WA 98101</span><span style="color:#1F497D">
<br>
</span><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:gray">Ph. 206-757-8892/Mobile. 206-915-0109</span><span style="color:#1F497D">
<br>
</span><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:gray">Fax 206-757-7890</span><span style="color:#1F497D">
<br>
</span><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:gray"><a href="mailto:katherinelaird@centurypacificlp.com"><span style="color:blue">katherinelaird@centurypacificlp.com</span></a></span><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:black"> <o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:black"> </span><span style="color:#1F497D">
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";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""> wsbapt-bounces@lists.wsbarppt.com [mailto:wsbapt-bounces@lists.wsbarppt.com]
<b>On Behalf Of </b>Alexis Singletary<br>
<b>Sent:</b> Sunday, January 17, 2016 6:35 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv<br>
<b>Subject:</b> [WSBAPT] Invalid creditor's claim; reported on credit report<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue">I have a surviving spouse who was an authorized user on a credit card for deceased husband. Decedent was only card member; he opened the account before marriage
but got a card for wife to use the account. PR sent Notice to Creditors and creditor never filed a creditor’s claim. Then at month 6 decided to start sending statements from collection company to PR. We went ahead and did a formal Rejection and not just
a letter telling them they messed up. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue">Now- creditor has filed bad data on surviving wife’s credit report even though it never attempted to request payment from spouse and she was not an account holder;
of course negatively affecting wife’s credit. The account was closed when husband died.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue">Any recourse for surviving spouse? Creditor never alleged community debt and wife responsible since estate didn’t pay. Can she only contest the debt with all
credit reporting agencies to seek credit repair?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue">Thanks!<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue">Alexis<o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;color:#1A1AEE">____________________________<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;color:#1A1AEE">Alexis R. Singletary<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#1A1AEE">Attorney at Law<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#1A1AEE">Singletary Law Office, PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;color:#1A1AEE">253.833.8855<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;color:#1A1AEE"><a href="http://www.singletarylawoffice.com/">www.SingletaryLawOffice.com</a><o:p></o:p></span></p>
<p class="MsoNormal"><i><span style="font-size:10.0pt;font-family:"Calibri","sans-serif";color:#1A1AEE"><o:p> </o:p></span></i></p>
<p class="MsoNormal"><i><span style="font-size:10.0pt;font-family:"Calibri","sans-serif";color:blue">This message is from an attorney, so it’s confidential and may be protected by attorney-client privilege and/or the work-product doctrine. 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></i></p>
<p class="MsoNormal"><i><span style="font-size:10.0pt;font-family:"Calibri","sans-serif";color:blue"><o:p> </o:p></span></i></p>
<p class="MsoNormal"><i><u><span style="font-size:10.0pt;font-family:"Calibri","sans-serif";color:blue">CLIENT ADVISORY</span></u></i><i><span style="font-size:10.0pt;font-family:"Calibri","sans-serif";color:blue">: A spam filter is in use in our IT system.
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue"><o:p> </o:p></span></p>
<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>Tim Bradbury<br>
<b>Sent:</b> Sunday, December 06, 2015 12:41 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv<br>
<b>Subject:</b> Re: [WSBAPT] Invalid creditor's claim<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">Why skip the formal rejection? It is no more complicated than sending a letter. File it with the court. And you are doing it the proper way.<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">I've had two creditors in the last 43 years call and complain. I explain the error that they committed. No one has ever filed an action contesting the rejection in any of my probates.<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">I think that it helps to send a letter of explanation along with the Notice to Creditors including that it must be filed both with the court and my office by whatever the expiration date is.. I also include a creditor claim form for them
to use. Pointing that out when they call to complain about being rejected seems to help. Both creditors were legitimate and provided good service in return for their charge. But the PR's duty is to preserve the assets for the beneficiaries or heirs. And
it is definitely outside the bounds of the PR's discretion to pick and choose among defective claims.<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
</div>
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<p class="MsoNormal">Tim Bradbury, retired<o:p></o:p></p>
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</div>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">On Wed, Dec 2, 2015 at 10:51 AM, Lovie Bernardi <<a href="mailto:lovie@sbfirm.com" target="_blank">lovie@sbfirm.com</a>> wrote:<o:p></o:p></p>
<div>
<div>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Dear listmates,<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Believe it or not, I’ve never dealt with a defective creditor’s claim before. A known creditor was given actual notice. They sent back the claim form we provided, unsigned, to our
office, but never filed it with the Court. The creditor’s claim period has now expired. I was prepared to send a rejection to the creditor, then started to review some CLE materials which led me to believe that I need not reject it formally because it was
not a proper claim. It now occurs to me that if the claim was never filed with the court, it is not a proper claim. The creditor continues to send statements to the administrator. The CLE materials had a “drop dead” letter to send in such circumstances. Am
I okay with just sending that and skipping the rejection? Thanks in advance for the input.<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Lovie Bernardi</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Attorney at Law</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Seligmann & Flaherty, PLLC</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">216 First AVE S, #450</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Seattle, WA 98104</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""><a href="tel:%28206%29%20682-2616" target="_blank">(206) 682-2616</a></span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""><a href="mailto:joni@sbfirm.com" target="_blank">lovie@sbfirm.com</a></span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""><a href="http://sbfirm.com/" target="_blank">http://sbfirm.com</a></span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">**********</span><o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">-- <o:p></o:p></p>
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<p style="margin:0in;margin-bottom:.0001pt"><span style="font-family:"Arial","sans-serif"">Timothy Bradbury, PLLC</span><o:p></o:p></p>
<p style="margin:0in;margin-bottom:.0001pt"><span style="font-family:"Arial","sans-serif"">Attorney</span><o:p></o:p></p>
<p style="margin:0in;margin-bottom:.0001pt"><span style="font-family:"Arial","sans-serif"">1300 Hoge Building</span><o:p></o:p></p>
<p style="margin:0in;margin-bottom:.0001pt"><span style="font-family:"Arial","sans-serif"">705 Second Avenue</span><o:p></o:p></p>
<p style="margin:0in;margin-bottom:.0001pt"><span style="font-family:"Arial","sans-serif"">Seattle, WA 98104</span><o:p></o:p></p>
<p style="margin:0in;margin-bottom:.0001pt"><span style="font-family:"Arial","sans-serif"">(206) 623-1594/Fax: (206) 623-2186</span><o:p></o:p></p>
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