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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link="#0563C1" vlink="#954F72"><div class=WordSection1><p class=MsoNormal>Man dies and his leaves everything to girlfriend of many years and she is the nominated PR. He owned a house (passing via transfer on death deed) with mortgage to BECU, savings and checking accounts with BECU of about $6k, and a credit card debt of $9k to BECU. I remember learning on this Listserv that BECU has aggressively offset bank accounts for credit card debt. The girlfriend (who has his login information and passwords) asks if she can legally zero out the savings and bank accounts <i>before</i> BECU offsets the accounts for the credit card debt. She is not listed on the accounts. She inherits everything anyway but most likely will not probate his Will in light of the few assets and in light of BECU probably going to offset the checking and savings accounts anyway. (Let’s not address the moral issue of if she <i>should</i> zero out the accounts.) <o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>I’m not sure it passes the smell test and it may be bank fraud to use the decedent’s passwords to wipe out the accounts. On the other hand, while BECU has the power to probate his Will as a creditor, it seems unlikely that they would do it for $9k in credit card debt. Does she has the right to wipe out the accounts because she inherits everything under the Will? Does she have a duty to creditors even if she doesn’t probate his Will?<o:p></o:p></p></div></body></html>