<html><body><div style="font-family: Times New Roman; font-size: 12pt; color: #000000"><div aria-label="Compose body">Alexis,<br></div><div aria-label="Compose body"><br></div><div aria-label="Compose body">The decedent may have unwittingly added the surviving spouse as a debtor when he got a card for her under the same account. Especially if he did so over the telephone with the credit card company. <br></div><div><br></div><div>Very truly yours,<br>Maureen A. Wickert, Attorney at Law<br> <br> WICKERT LAW OFFICE<br></div><div><div><br></div>14900 Interurban Avenue South, Ste 255<br> Tukwila, WA 98168<br> Phone: 206-859-5502<br> Fax: 206-260-9005<br> www.wickertlawoffice.com<br> wickertlaw@comcast.net<br><div><br></div>This electronic message contains information which may be confidential and/or legally privileged. The information is intended for the use of the individual or entity named above. If you are not the intended recipient, be aware that any disclosure, copying, distribution or use of the contents of this transmission is prohibited. If you have received this electronic transmission in error, please notify me by telephone or by email immediately.<br><span name="x"></span><br></div><div><br></div><hr id="zwchr"><div style="color:#000;font-weight:normal;font-style:normal;text-decoration:none;font-family:Helvetica,Arial,sans-serif;font-size:12pt;" data-mce-style="color: #000; font-weight: normal; font-style: normal; text-decoration: none; font-family: Helvetica,Arial,sans-serif; font-size: 12pt;"><b>From: </b>"Alexis Singletary" <alexis@singletarylawoffice.com><br><b>To: </b>"WSBA Probate & Trust Listserv" <wsbapt@lists.wsbarppt.com><br><b>Sent: </b>Sunday, January 17, 2016 6:34:45 PM<br><b>Subject: </b>[WSBAPT] Invalid creditor's claim; reported on credit report<br><div><br></div><style><!--
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--></style><div class="WordSection1"><p class="MsoNormal"><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue' data-mce-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. </span></p><p class="MsoNormal"><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue' data-mce-style="font-size: 11.0pt; font-family: 'Calibri','sans-serif'; color: blue;"> </span></p><p class="MsoNormal"><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue' data-mce-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. </span></p><p class="MsoNormal"><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue' data-mce-style="font-size: 11.0pt; font-family: 'Calibri','sans-serif'; color: blue;"> </span></p><p class="MsoNormal"><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue' data-mce-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?</span></p><p class="MsoNormal"><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue' data-mce-style="font-size: 11.0pt; font-family: 'Calibri','sans-serif'; color: blue;"> </span></p><p class="MsoNormal"><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue' data-mce-style="font-size: 11.0pt; font-family: 'Calibri','sans-serif'; color: blue;">Thanks!</span></p><p class="MsoNormal"><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue' data-mce-style="font-size: 11.0pt; font-family: 'Calibri','sans-serif'; color: blue;">Alexis</span></p><div><p class="MsoNormal"><b><span style="font-size:11.0pt;color:#1A1AEE" data-mce-style="font-size: 11.0pt; color: #1a1aee;">____________________________</span></b></p><p class="MsoNormal"><b><span style="font-size:11.0pt;color:#1A1AEE" data-mce-style="font-size: 11.0pt; color: #1a1aee;">Alexis R. Singletary</span></b></p><p class="MsoNormal"><span style="font-size:11.0pt;color:#1A1AEE" data-mce-style="font-size: 11.0pt; color: #1a1aee;">Attorney at Law</span></p><p class="MsoNormal"><span style="font-size:11.0pt;color:#1A1AEE" data-mce-style="font-size: 11.0pt; color: #1a1aee;">Singletary Law Office, PLLC</span></p><p class="MsoNormal"><span style="font-size:10.0pt;color:#1A1AEE" data-mce-style="font-size: 10.0pt; color: #1a1aee;">253.833.8855</span></p><p class="MsoNormal"><span style="font-size:10.0pt;color:#1A1AEE" data-mce-style="font-size: 10.0pt; color: #1a1aee;"><a href="http://www.singletarylawoffice.com/" target="_blank" data-mce-href="http://www.singletarylawoffice.com/">www.SingletaryLawOffice.com</a></span></p><p class="MsoNormal"><i><span style='font-size:10.0pt;font-family:"Calibri","sans-serif";color:#1A1AEE' data-mce-style="font-size: 10.0pt; font-family: 'Calibri','sans-serif'; color: #1a1aee;"> </span></i></p><p class="MsoNormal"><i><span style='font-size:10.0pt;font-family:"Calibri","sans-serif";color:blue' data-mce-style="font-size: 10.0pt; font-family: 'Calibri','sans-serif'; color: blue;">This message is from an attorney, so it’s confidential and </span></i><i><span style='font-size:10.0pt;font-family:"Calibri","sans-serif";color:blue' data-mce-style="font-size: 10.0pt; font-family: 'Calibri','sans-serif'; color: blue;">may be protected by attorney-client privilege and/or the work-product doctrine. </span></i><i><span style='font-size:10.0pt;font-family:"Calibri","sans-serif";color:blue' data-mce-style="font-size: 10.0pt; font-family: 'Calibri','sans-serif'; color: blue;">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. 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If you have not received a Reply to an e-mail message within seventy-two hours, please call or leave a voice mail message with the receptionist at 253.833.8855.</span></i><i><span style='font-size:9.0pt;font-family:"Calibri","sans-serif";color:blue' data-mce-style="font-size: 9.0pt; font-family: 'Calibri','sans-serif'; color: blue;"></span></i></p></div><p class="MsoNormal"><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:blue' data-mce-style="font-size: 11.0pt; font-family: 'Calibri','sans-serif'; color: blue;"> </span></p><div style="border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in" data-mce-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"' data-mce-style="font-size: 10.0pt; font-family: 'Tahoma','sans-serif';">From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"' data-mce-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>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</span></p></div><p class="MsoNormal"> </p><div><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.</p><div><p class="MsoNormal"> </p></div><div><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.</p></div><div><p class="MsoNormal"> </p></div><div><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.</p></div><div><p class="MsoNormal"> </p></div><div><p class="MsoNormal">Tim Bradbury, retired</p></div></div><div><p class="MsoNormal"> </p><div><p class="MsoNormal">On Wed, Dec 2, 2015 at 10:51 AM, Lovie Bernardi <<a href="mailto:lovie@sbfirm.com" target="_blank" data-mce-href="mailto:lovie@sbfirm.com">lovie@sbfirm.com</a>> wrote:</p><div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;">Dear listmates,</p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"> </p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-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.</p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"> </p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"' data-mce-style="font-size: 10.0pt; font-family: 'Arial','sans-serif';">Lovie Bernardi</span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"' data-mce-style="font-size: 10.0pt; font-family: 'Arial','sans-serif';">Attorney at Law</span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"' data-mce-style="font-size: 10.0pt; font-family: 'Arial','sans-serif';">Seligmann & Flaherty, PLLC</span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"' data-mce-style="font-size: 10.0pt; font-family: 'Arial','sans-serif';">216 First AVE S, #450</span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"' data-mce-style="font-size: 10.0pt; font-family: 'Arial','sans-serif';">Seattle, WA 98104</span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"' data-mce-style="font-size: 10.0pt; font-family: 'Arial','sans-serif';"><a href="tel:%28206%29%20682-2616" target="_blank" data-mce-href="tel:%28206%29%20682-2616">(206) 682-2616</a></span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"><span style='font-family:"Arial","sans-serif"' data-mce-style="font-family: 'Arial','sans-serif';"> </span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"' data-mce-style="font-size: 10.0pt; font-family: 'Arial','sans-serif';"><a href="mailto:joni@sbfirm.com" target="_blank" data-mce-href="mailto:joni@sbfirm.com">lovie@sbfirm.com</a></span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"' data-mce-style="font-size: 10.0pt; font-family: 'Arial','sans-serif';"><a href="http://sbfirm.com/" target="_blank" data-mce-href="http://sbfirm.com/">http://sbfirm.com</a></span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"><span style='font-family:"Arial","sans-serif"' data-mce-style="font-family: 'Arial','sans-serif';"> </span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"' data-mce-style="font-size: 10.0pt; font-family: 'Arial','sans-serif';">**********</span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto" data-mce-style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"' data-mce-style="font-size: 10.0pt; font-family: 'Arial','sans-serif';">This e-mail may contain information that is privileged, confidential or otherwise protected from disclosure. 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