<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body dir="auto"><div>Make sure the survivor does not use the card post Mortem. I had a case of a SP card in decedent's name only and the two year statute expired. But the survivor had used it post Mortem. </div><div id="AppleMailSignature"><br></div><div id="AppleMailSignature">The bank dinged her with a negative credit report as she was getting ready to take out a mortgage. We paid the card off in exchange for clearing the credit report. </div><div id="AppleMailSignature"><br></div><div id="AppleMailSignature">John Sullivan<br><br>Sent from my iPhone</div><div><br>On Sep 14, 2016, at 11:51 AM, Eric Nelsen <<a href="mailto:Eric@sayrelawoffices.com">Eric@sayrelawoffices.com</a>> wrote:<br><br></div><blockquote type="cite"><div>
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<p class="MsoNormal"><span style="color:#1F497D">I agree with Amy--<u>Ruth v. Dight</u> is a great case for that. Technically it involves a deceased spouse's liability for tort, where liability would extend to the community, and might not necessarily be applicable
to contractual debts such as credit cards. But I think it arguably would cover such a debt, and is a good basis for negotiating a settlement with a potential creditor.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">Sincerely,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">Eric<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">Eric C. Nelsen<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">SAYRE LAW OFFICES, PLLC<o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:12.0pt;color:red">Please Note that We Have Moved.</span></b><b><span style="font-size:12.0pt;color:#1F497D">
</span></b><span style="font-size:12.0pt;color:#1F497D">We have moved our Seattle office to Mount Baker Ridge (a small commercial community just above the I-90 tunnel).
<b>Our new address is 1417 31st Avenue South, Seattle WA 98144. </b>All other contact information remains the same.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="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""> <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>Lewis, Amy C.<br>
<b>Sent:</b> Wednesday, September 14, 2016 10:44 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv<br>
<b>Subject:</b> Re: [WSBAPT] Handling credit card debt - probate<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="color:#1F497D">There is case law indicating that the probate bar applies to the surviving spouse as well. We’ve had success sending letters rejecting claims and citing these cases.
<i>Ruth v. Dight, </i>75 Wn.2d 660 and <i>Graham v. Radford </i>71<i> Wn.2d 752<o:p></o:p></i></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:black"><o:p> </o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:0in">
<span style="font-family:"Calibri","sans-serif";color:black">Amy C. Lewis, Attorney<o:p></o:p></span></p>
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<span style="font-family:"Calibri","sans-serif";color:black"><image002.png></span><span style="font-size:3.0pt;font-family:"Calibri","sans-serif";color:#C00000"><o:p></o:p></span></p>
<p style="margin:0in;margin-bottom:.0001pt"><span style="font-size:10.0pt;font-family:"Calibri","sans-serif";color:#C00000">ESTATE PLANNING & PROBATE</span><span style="font-family:"Calibri","sans-serif";color:black"><o:p></o:p></span></p>
<p style="margin-top:0in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:black">1201 Pacific Avenue, Suite 1200 | Tacoma, WA 98402<br>
phone 253.572.4500 | fax 253.272.5732 | </span><span style="font-family:"Calibri","sans-serif";color:black"><a href="http://www.eisenhowerlaw.com/"><span style="font-size:11.0pt;color:#C00000;text-decoration:none">www.eisenhowerlaw.com</span></a></span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif""><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"">
<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>G. (Gus) Benjamin Lindsey III<br>
<b>Sent:</b> Wednesday, September 14, 2016 10:29 AM<br>
<b>To:</b> 'WSBA Probate & Trust Listserv'<br>
<b>Subject:</b> [WSBAPT] Handling credit card debt - probate<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Good morning,<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">I have a probate case in which there is a credit card debt in excess of $18,000. Though it appears that the deceased was the most frequent user of the card, the survivor spouse also used the card. (Both names are on the account)<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">The credit card company was sent a creditor claim notice but did not file a claim within the required period. (Neither the estate nor the surviving spouse has the cash/assets to pay off this debt)<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">As expected, the credit card company has told the surviving spouse that she is responsible and that’s the end of the story! Has anyone had success negotiating a lower settlement in a similar situation. The surviving spouse is very litigation
adverse so we are trying to find creative ways, if any exist, to resolve this matter.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Thanks!<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Sincerely,<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">G. (Gus) Benjamin Lindsey III<o:p></o:p></p>
<p class="MsoNormal">Attorney-at-Law<o:p></o:p></p>
<p class="MsoNormal"><image003.png><o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">The Law Office of G. Benjamin Lindsey III<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Phone: (425) 263-9585<o:p></o:p></p>
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<p class="MsoNormal">website: <a href="http://www.gbl3law.com/">www.gbl3law.com</a><o:p></o:p></p>
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