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<p class="MsoNormal"><span style="font-size:13.0pt">Susan is correct except if there are claims in tort, then 3 years applies b/c the statute specifically allows claims</span><span style="font-size:14.0pt">
</span><span style="font-size:13.0pt">against the insurance company between 2-3 years of death. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt">If within the time limits, you open the probate and appoint an administrator.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><b><span style="font-size:13.0pt">RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.40.060">11.40.060</a></span></b><span style="font-size:13.0pt">:
<b>Claims involving liability or casualty insurance—Limitations—Exceptions to time limits.
</b>The time limitations for presenting claims under this chapter do not accrue to the benefit of any liability or casualty insurer. Claims against the decedent or the decedent's marital community that can be fully satisfied by applicable insurance coverage
or proceeds need not be presented within the time limitation of RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.40.051"><b>11.40.051</b></a>, but the amount of recovery cannot exceed the amount of the insurance. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt">I have opened more creditor probates in the last few years but you have to make certain claims within the statute of limitations.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt">Here is the statute:<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:3.75pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;background:white">
<b><span style="font-size:13.0pt;color:black">RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.40.051"><span style="color:#2B674D">11.40.051</span></a><o:p></o:p></span></b></p>
<p class="MsoNormal" style="mso-margin-top-alt:3.75pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;background:white">
<b><span style="font-size:13.0pt;color:black">Claims against decedent—Time limits.<o:p></o:p></span></b></p>
<p class="MsoNormal" style="text-indent:.5in;background:white"><span style="font-size:13.0pt;color:black">(1) Whether or not notice is provided under RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.40.020"><b><span style="color:#2B674D">11.40.020</span></b></a>,
a person having a claim against the decedent is forever barred from making a claim or commencing an action against the decedent, if the claim or action is not already barred by an otherwise applicable statute of limitations, unless the creditor presents the
claim in the manner provided in RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.40.070"><b><span style="color:#2B674D">11.40.070</span></b></a> within the following time limitations:<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;background:white"><span style="font-size:13.0pt;color:black">(a) If the personal representative provided notice under RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.40.020"><b><span style="color:#2B674D">11.40.020</span></b></a> and
the creditor was given actual notice as provided in RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.40.020"><b><span style="color:#2B674D">11.40.020</span></b></a>(1)(c), the creditor must present the claim within the later of: (i) Thirty days
after the personal representative's service or mailing of notice to the creditor; and (ii) four months after the date of first publication of the notice;<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;background:white"><span style="font-size:13.0pt;color:black">(b) If the personal representative provided notice under RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.40.020"><b><span style="color:#2B674D">11.40.020</span></b></a> and
the creditor was not given actual notice as provided in RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.40.020"><b><span style="color:#2B674D">11.40.020</span></b></a>(1)(c):<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;background:white"><span style="font-size:13.0pt;color:black">(i) If the creditor was not reasonably ascertainable, as defined in RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.40.040"><b><span style="color:#2B674D">11.40.040</span></b></a>,
the creditor must present the claim within four months after the date of first publication of notice;<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;background:white"><span style="font-size:13.0pt;color:black">(ii) If the creditor was reasonably ascertainable, as defined in RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.40.040"><b><span style="color:#2B674D">11.40.040</span></b></a>,
the creditor must present the claim within twenty-four months after the decedent's date of death; and<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;background:white"><span style="font-size:13.0pt;color:black">(c) If notice was not provided under this chapter or chapter <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.42"><b><span style="color:#2B674D">11.42</span></b></a> RCW,
the creditor must present the claim within twenty-four months after the decedent's date of death.<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;background:white"><span style="font-size:13.0pt;color:black">(2) An otherwise applicable statute of limitations applies without regard to the tolling provisions of RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=4.16.190"><b><span style="color:#2B674D">4.16.190</span></b></a>.<o:p></o:p></span></p>
<p class="MsoNormal" style="text-indent:.5in;background:white"><span style="font-size:13.0pt;color:black">(3) This bar is effective as to claims against both the decedent's probate and nonprobate assets.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:13.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><i><span style="font-size:13.0pt;color:#1F497D">Dalynne Singleton</span></i></b><span style="font-size:13.0pt"><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>Susan Donahue<br>
<b>Sent:</b> Tuesday, August 30, 2022 8:21 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBAPT] Creditor's Options<o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">I don’t have any citations for this, but I believe a creditor can open a probate to make a creditor claim but it has to be within 24 months from the death if the decedent. <o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt">Susan Donahue. <o:p></o:p></p>
<div>
<p class="MsoNormal">Sent from my iPhone<o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><br>
<br>
<o:p></o:p></p>
<blockquote style="margin-top:5.0pt;margin-bottom:5.0pt">
<p class="MsoNormal" style="margin-bottom:12.0pt">On Aug 30, 2022, at 8:06 PM, <a href="mailto:samuel@meylerlegal.com">
samuel@meylerlegal.com</a> wrote:<o:p></o:p></p>
</blockquote>
</div>
<blockquote style="margin-top:5.0pt;margin-bottom:5.0pt">
<div>
<p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Thanks, Andrekita. There is no judgment yet. Given that no probate has been commenced, who would be the correct parties to name as defendants in the action? Would you still name the estate of the deceased as a defendant? If so, who
would you serve on behalf of the estate? It seems like the simple answer is the wife, but I suspect that there is a specific procedure by which this scenario is addressed.<o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<div>
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue"> </span></b><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Samuel M. Meyler</span></b><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Meyler Legal, PLLC </span></b><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">1700 Westlake Ave. N., Ste. 200</span><span style="color:blue"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Seattle, Washington 98109</span><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Tel:</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue"> 206.876.7770</span><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Fax:</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue"> 206.876.7771</span><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Email:</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue"> </span><a href="mailto:samuel@meylerlegal.com"><span style="font-size:10.0pt;font-family:"Arial",sans-serif">samuel@meylerlegal.com</span></a><o:p></o:p></p>
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<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b>From:</b> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">
wsbapt-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a>>
<b>On Behalf Of </b>Andrekita Silva<br>
<b>Sent:</b> Tuesday, August 30, 2022 7:37 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
<b>Subject:</b> Re: [WSBAPT] Creditor's Options<o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"> <o:p></o:p></p>
<p><span style="font-size:10.5pt;font-family:"Arial",sans-serif"><br>
Law Office of<br>
<strong><span style="font-family:"Arial",sans-serif">F.ANDREKITA SILVA</span></strong><br>
<strong><span style="font-family:"Arial",sans-serif">_______________________________________________________ </span></strong><br>
<br>
August 30, 2022<br>
<br>
Samuel,<br>
<br>
It sounds like you are saying the home was purchased during the marriage and so, it is community property.<br>
Driving a car as you go about your life would 99.999 % be found to have a community purpose, so the community would be liable for husband’s tort.<br>
<br>
The creditor may go after community real property (RCW 26.16.040) to satisfy the community obligation/ debt. As H died 2 years ago, it sounds like surviving spouse might have small separate property interest- presumably she has been making payments on the
property (even though it is 100% hers now, the court would look to see what portion was community at the time of husband's death. If this car accident were found to be a separate tort (which is unlikely under the family car doctrine), then the creditor could
only go after the tortfeasor husband's 1/2 interest in community property. <br>
<br>
If the insurer never reduced the agreement for payments to a judgment, then the insurer can do that. The statute of limitations on a contract for money is 6 years, so the insurer has 6 years from the date of the last payment to seek a judgment.<br>
<br>
If there is already a judgment, then insurer can seek to collect by any lawful means, i.e., writ of garnishment on wages, writ of garnishment on bank accounts. Insurer could seek a writ of execution against the house and sell it to get their money, too. However,
to do that, they would have to first establish that there is no personal property available to satisfy the judgment. They would do that through a supplemental proceeding.<br>
<br>
<br>
<br>
andrekita<br>
Law Office of F. Andrekita Silva<br>
1325 Fourth Avenue, Suite 2000<br>
Seattle, Washington 98101<br>
206-224-8288<br>
<a href="https://nam04.safelinks.protection.outlook.com/?url=http%3A%2F%2Fwww.seattle-silvalaw.com%2F&data=05%7C01%7Cdalynne%40glgmail.com%7C8dc445b0910e43746e9808da8b00562d%7Cebbf337fee3b4dd681791c2ed72652b1%7C0%7C0%7C637975130819556443%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=JjkPiAKvxKnYsXZ6SAZ8cuI9LK3lMqlwmXwVQjavrXk%3D&reserved=0">www.seattle-silvalaw.com</a><br>
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Quoting <a href="mailto:samuel@meylerlegal.com">samuel@meylerlegal.com</a>:</span><o:p></o:p></p>
<blockquote style="border:none;border-left:solid blue 1.5pt;padding:0in 0in 0in 9.0pt;margin-left:1.5pt;margin-top:5.0pt;margin-bottom:5.0pt">
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.5pt;font-family:"Arial",sans-serif">Here is the scenario: Decedent causes a car accident in 2016, admits fault and enters into an agreement with the other/injured
party’s insurer to make payments over time. Decedent passes away on 8/17/2020. Decedent was married and wife continues to live in the family home which has equity in it. Probate was never opened. What options does the insurer have to pursue collection
of the outstanding balance? What procedures would the insurer have to follow? Thanks for your input. </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:blue">Samuel M. Meyler</span></b><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:blue">Meyler Legal, PLLC </span></b><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:10.0pt;font-family:"Arial",sans-serif;color:blue">1700 Westlake Ave. N., Ste. 200</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:10.0pt;font-family:"Arial",sans-serif;color:blue">Seattle, Washington 98109</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:blue">Tel:</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue"> 206.876.7770</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:blue">Fax:</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue"> 206.876.7771</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:blue">Email:</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue"> </span><span style="font-size:10.5pt;font-family:"Arial",sans-serif"><a href="mailto:samuel@meylerlegal.com"><span style="font-size:10.0pt">samuel@meylerlegal.com</span></a></span><o:p></o:p></p>
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