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<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Times New Roman",serif">Brent<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Times New Roman",serif">I did appreciate that you didn’t suggest the action. I apologize for any suggestion otherwise. I offered it gratuitously because its one of those things that we see after
the fact and the lawyers who have been involved in the advice process don’t always document their advice NOT to take such action and end up getting caught up in the process.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Times New Roman",serif">I had a case several years ago in which the impact of the estate planning was to transfer assets to trusts for the benefit of adult children. When the transferor filed
bankruptcy several years later, the transfers, after some research, became apparent. <o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00426B">Russell D. Garrett </span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00426B">
</span><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">|
</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">Attorney</span><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00426B"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">OR Direct: (503) 598-5519</span><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00426B"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">WA Direct: (360) 567-3911</span><span style="font-family:"Arial",sans-serif"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00426B"><a href="https://jordanramis.com"><span style="color:#3A738E">jordanramis.com</span></a> </span><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">
| (888) 598-7070</span><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00426B"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">Portland Metro | Bend | Vancouver WA</span><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00426B"><o:p></o:p></span></p>
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<b><span style="font-size:10.0pt">PLEASE NOTE:</span></b><span style="font-size:10.0pt"> All offices of Jordan Ramis are working remotely. Our professionals continue to remain fully available by telephone and email.<br>
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<b><span style="font-size:10.0pt">DISCLAIMER:</span></b><span style="font-size:10.0pt"> This e-mail is for the sole use of the intended recipient(s). It contains information that is confidential and/or legally privileged. If you believe that it has been sent
to you in error, please notify the sender by reply e-mail and delete the message. Any disclosure, copying, distribution or use of this information by someone other than the intended recipient is prohibited.</span><span style="font-size:14.0pt;font-family:"Times New Roman",serif"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b>From:</b> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Brent Williams-Ruth<br>
<b>Sent:</b> Monday, March 21, 2022 4:44 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBAPT] Transfer right before death<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Thank you all!<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">To be clear - I did not recommend this strategy. This is what came to me for handling AFTER the fact. Adviser was one of a financial variety. <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
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<p><b><span style="font-family:"Times New Roman",serif">Brent Williams-Ruth</span></b><span style="font-family:"Times New Roman",serif"> (pronouns: he/him)<br>
<i>Attorney-At-Law</i></span><o:p></o:p></p>
<p><b><span style="font-family:"Times New Roman",serif">Law Offices of Brent Williams-Ruth, </span></b><b><span style="font-size:7.5pt;font-family:"Times New Roman",serif">a division of BWR Consulting, PLLC</span></b><o:p></o:p></p>
<p><b><span style="font-family:"Times New Roman",serif">Physical Address: 500 S 336th Street, Suite 214; Federal Way, WA 98003</span></b><o:p></o:p></p>
<p><b><span style="font-family:"Times New Roman",serif;color:red">**EFFECTIVE IMMEDIATELY**</span></b><b><span style="font-family:"Times New Roman",serif"> All mail sent through the USPS should be sent to the following address: PO BOX 3319; Federal Way, WA
98063 </span></b><o:p></o:p></p>
<p><span style="font-family:"Times New Roman",serif">Office/Scheduling Phone:<span style="color:#004080"> </span><span style="color:red">(253) 285-7751</span></span><o:p></o:p></p>
<p><span style="font-family:"Times New Roman",serif">Direct:<span style="color:red"> (253) 285-7453</span></span><o:p></o:p></p>
<p><span style="font-family:"Times New Roman",serif"><a href="mailto:Brent@Williams-RuthLaw.com" target="_blank">e-mail</a> / <a href="http://www.williams-ruthlaw.com/" target="_blank">website</a> /</span><span style="font-size:9.5pt;font-family:"Times New Roman",serif"> </span><span style="font-family:"Times New Roman",serif"><a href="http://www.facebook.com/bwrlaw" target="_blank"><span style="font-size:9.5pt">facebook</span></a></span><span style="font-size:9.5pt;font-family:"Times New Roman",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">On Mon, Mar 21, 2022 at 4:24 PM Russell D. Garrett <<a href="mailto:Russell.Garrett@jordanramis.com">Russell.Garrett@jordanramis.com</a>> wrote:<o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:14.0pt;font-family:"Times New Roman",serif">Philip, not bad for “lowly estate planner”!! Lawyers who counsel or assist their clients to make fraudulent
transfers may themselves be subject to more than just discipline. </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:14.0pt;font-family:"Times New Roman",serif"> </span><o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00426B">Russell D. Garrett </span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#00426B">
</span><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">|
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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:"Arial",sans-serif;color:black">WA Direct: (360) 567-3911</span><o:p></o:p></p>
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| (888) 598-7070</span><o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><br>
<b><span style="font-size:10.0pt">PLEASE NOTE:</span></b><span style="font-size:10.0pt"> All offices of Jordan Ramis are working remotely. Our professionals continue to remain fully available by telephone and email.<br>
</span><br>
<b><span style="font-size:10.0pt">DISCLAIMER:</span></b><span style="font-size:10.0pt"> This e-mail is for the sole use of the intended recipient(s). It contains information that is confidential and/or legally privileged. If you believe that it has been sent
to you in error, please notify the sender by reply e-mail and delete the message. Any disclosure, copying, distribution or use of this information by someone other than the intended recipient is prohibited.</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:14.0pt;font-family:"Times New Roman",serif"> </span><o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b>From:</b>
<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a>>
<b>On Behalf Of </b>Philip N. Jones<br>
<b>Sent:</b> Monday, March 21, 2022 3:57 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank">wsbapt@lists.wsbarppt.com</a>><br>
<b>Subject:</b> Re: [WSBAPT] Transfer right before death<o:p></o:p></p>
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<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:16.0pt;font-family:"Times New Roman",serif">I am not a creditor’s rights attorney. But even a lowly estate planner like me thinks this looks like a fraudulent
transfer. See RCW 19.40, known as<span style="color:black"> the Uniform Fraudulent Transfer Act, also known as the Uniform Voidable Transactions Act. This is the state law that the IRS uses when someone (or some entity) transfers assets at a time when taxes
are due, thus creating insolvency and preventing the IRS from collecting their taxes. But any creditor can use this statute if the facts are right. The recipients of the assets are subject to something known as transferee liability. Best thing to do is
talk to a creditor’s rights attorney ASAP, and do not rely on my amateurish opinions.</span></span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:16.0pt;font-family:"Times New Roman",serif;color:black">Phil Jones</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:16.0pt;font-family:"Times New Roman",serif;color:black">
</span><o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:14.0pt;font-family:"Times New Roman",serif">Philip N. Jones</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:14.0pt;font-family:"Times New Roman",serif">Duffy Kekel LLP</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:14.0pt;font-family:"Times New Roman",serif">900 S.W. Fifth Ave. Suite 2500</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:14.0pt;font-family:"Times New Roman",serif">Portland, OR 97204</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:14.0pt;font-family:"Times New Roman",serif"><a href="mailto:pjones@duffykekel.com" target="_blank"><span style="color:#0563C1">pjones@duffykekel.com</span></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:14.0pt;font-family:"Times New Roman",serif">(503) 226-1371 – office</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:14.0pt;font-family:"Times New Roman",serif">(503) 853-1482 – cell</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:14.0pt;font-family:"Times New Roman",serif">(503) 226-3574 - fax</span><o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:14.0pt;font-family:"Times New Roman",serif"> </span><o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b>From:</b>
<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a>>
<b>On Behalf Of </b>Brent Williams-Ruth<br>
<b>Sent:</b> Monday, March 21, 2022 3:43 PM<br>
<b>To:</b> <a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank">wsbapt@lists.wsbarppt.com</a><br>
<b>Subject:</b> [WSBAPT] Transfer right before death<o:p></o:p></p>
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<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"><br>
Decedent sees the end coming. Transfers all assets to their sibling. <o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Decedent passes with $XXX in debt. <o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Is the estate insolvent where the creditors are “out of luck” or is this a transfer that can be undone. <o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Key in my mind is that there is literally not a single asset that will be conveyed after death. <o:p></o:p></p>
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<p><b>Brent Williams-Ruth</b> <br>
<i>Attorney-At-Law</i><o:p></o:p></p>
<p><b>Law Offices of Brent Williams-Ruth, a division of BWR Consulting, PLLC</b><o:p></o:p></p>
<p>Office/Scheduling Phone: (253) 285-7751<o:p></o:p></p>
<p>Direct Mobile: (253) 285-7453<o:p></o:p></p>
<p>500 S. 336th St., Suite 214; Federal Way, WA 98003<o:p></o:p></p>
<p><a href="mailto:Brent@Williams-RuthLaw.com" target="_blank">e-mail</a> / <a href="https://nam11.safelinks.protection.outlook.com/?url=http%3A%2F%2Fwww.williams-ruthlaw.com%2F&data=04%7C01%7Cpjones%40duffykekel.com%7Caa1b4274e47c475641ba08da0b8c9942%7C2d66ed5354fa4c2f8c4dbff1aca5479d%7C0%7C0%7C637834995751958924%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=UgUZEpwSTG7vB%2FgpNF6wngZuKDcw2hOS78mmQS84sQ4%3D&reserved=0" target="_blank">website</a> / <a href="https://nam11.safelinks.protection.outlook.com/?url=http%3A%2F%2Fwww.facebook.com%2Fbwrconsults&data=04%7C01%7Cpjones%40duffykekel.com%7Caa1b4274e47c475641ba08da0b8c9942%7C2d66ed5354fa4c2f8c4dbff1aca5479d%7C0%7C0%7C637834995751958924%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=ADiuDnI2UJMVZVUH9oMMsxvmREH8MUJazc8CPvmQFZ4%3D&reserved=0" target="_blank">facebook</a> / <o:p></o:p></p>
<p><b>As of July 1, 2019 - I began operating as the Law Offices of Brent Williams-Ruth a division of BWR Consulting, PLLC. Please note the new points of contact <a href="mailto:Brent@Williams-RuthLaw.com" target="_blank">Brent@Williams-RuthLaw.com</a> and <a href="https://nam11.safelinks.protection.outlook.com/?url=http%3A%2F%2Fwww.williams-ruthlaw.com%2F&data=04%7C01%7Cpjones%40duffykekel.com%7Caa1b4274e47c475641ba08da0b8c9942%7C2d66ed5354fa4c2f8c4dbff1aca5479d%7C0%7C0%7C637834995751958924%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=UgUZEpwSTG7vB%2FgpNF6wngZuKDcw2hOS78mmQS84sQ4%3D&reserved=0" target="_blank">www.Williams-RuthLaw.com</a> </b><o:p></o:p></p>
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