<html>
<head>
<meta http-equiv="Content-Type" content="text/html; charset=Windows-1252">
<style type="text/css" style="display:none;"> P {margin-top:0;margin-bottom:0;} </style>
</head>
<body dir="ltr">
<div style="font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);" class="elementToProof">
By any chance is BECU a secured creditor as to the debt in question—and does the estate (incl. non-probate estate) include funds in BECU CD or share or checking accounts? BECU (and perhaps other credit unions) may claim to have a right to freeze or to enforce
a set-off as to decedent's assets in BECU accounts. I don't believe commercial banks enjoy the same right. The right of set-off might put BECU in a "secured-creditor" status. Secured creditor status would allow BECU to ignore the mailed NTC and to verify
their offset claim. </div>
<div style="font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);" class="elementToProof">
<br>
</div>
<div style="font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);" class="elementToProof">
Possibly that would explain the BECU request for letters and death certificate. This happed with an unfortunate result some year back with one of my probate matters where decedent left a $16K BECU share account but also had a secured debt held by BECU. I
don't recall whether that was a BECU notice/deed of trust or a BECU credit card debt. The share account was decedent's only liquid asset other than equity in decedent's personal residence real property. That cient needed some of the cash from the BECU account
to make the decedent's residence marketable, in which event both the estate and BECU would have benefitted. There would have been a modest surplus to the estate. The PR client (a sole adult child beneficiary) did not have (or did not want to risk) additional
personal funds to make the necessary repairs. BECU would not relent. My client, who had traveled from the east coast and paid attorney fees to open the probate, decided to abandon the estate rather than sink more personal funds into the fiasco. In today's
real estate market things might have been different. My take-away has been to warn modest-means clients about this mixed-benefit situation involving credit unions.</div>
<div style="font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);" class="elementToProof">
<br>
</div>
<div style="font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);" class="elementToProof">
Has anyone else experienced this? </div>
<div style="font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);" class="elementToProof">
<br>
</div>
<div style="font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);" class="elementToProof">
Dave Moe</div>
<div style="font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);" class="elementToProof">
<br>
</div>
<div>
<div id="Signature">
<div>
<div class="WordSection1">
<p class="MsoNormal"><span style="font-size: 9pt;">David Moe Attorney, P.S.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size: 9pt;">Telephone: 425-432-1277</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size: 9pt;">Fax: 425-432-1280</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size: 9pt;">23745 225</span><span style="font-size: 9pt;"><sup>th</sup></span><span style="font-size: 9pt;"> Way SE, Suite 108</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size: 9pt;">Maple Valley, WA 98038</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size: 9pt;"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size: 9pt;">Email: </span><a href="mailto:davidmoe@maplevalleylaw.com" target="_parent"><span style="font-size: 9pt;">davidmoe@maplevalleylaw.com</span></a><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size: 9pt;"> </span><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-size: 9pt; font-family: Arial, sans-serif; color: navy;">CONFIDENTIALITY NOTICE: </span></b><span style="font-size: 9pt; font-family: Arial, sans-serif; color: navy;"> This communication is intended for the sole use
of the individual and entity to whom it is addressed, and may contain information that is privileged, confidential and exempt from disclosure under applicable law. If you have received this communication in error, please notify this firm immediately by collect
call (425)-432-1277, or by reply to this communication.</span></p>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
</div>
</div>
</div>
<div style="font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);" class="elementToProof">
<br>
</div>
<div id="appendonsend"></div>
<div style="font-family: Calibri, Arial, Helvetica, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);">
<br>
</div>
<hr tabindex="-1" style="display:inline-block; width:98%">
<div id="divRplyFwdMsg" dir="ltr"><font face="Calibri, sans-serif" style="font-size: 11pt; color: rgb(0, 0, 0);" class="elementToProof"><b>From:</b> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com> on behalf of Brent Williams-Ruth <brent@williams-ruthlaw.com><br>
<b>Sent:</b> Monday, June 26, 2023 5:06 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <WSBAPT@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBAPT] BECU and Creditor Claim</font>
<div> </div>
</div>
<div>
<div dir="ltr">
<div class="x_gmail_default" style="font-family:arial,sans-serif">A funny thing happened on the way to the forum today......</div>
<div class="x_gmail_default" style="font-family:arial,sans-serif"><br>
</div>
<div class="x_gmail_default" style="font-family:arial,sans-serif">I got a letter from BECU after sending them a known creditor notice for my mother's estate. Rather than filing a creditor claim, they send me a document stating that I need to send them my letters
testamentary and a photocopy of the death certificate. </div>
<div class="x_gmail_default" style="font-family:arial,sans-serif"><br>
</div>
<div class="x_gmail_default" style="font-family:arial,sans-serif">Has there been some change to the creditor statute? Have I fallen and hit my head?</div>
<div class="x_gmail_default" style="font-family:arial,sans-serif"><br>
</div>
<div class="x_gmail_default" style="font-family:arial,sans-serif">I cannot recall the total number of creditor's claims filed by BECU in the past - so I am curious as to whether anyone else has received notices like this. It seems strange that they would elect
to send this - noncompliant communication - over actually just sending the creditor's claim. </div>
<div>
<div dir="ltr" class="x_gmail_signature" data-smartmail="gmail_signature">
<div dir="ltr">
<div dir="ltr">
<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></p>
<p><b><span style="font-family:"Times New Roman",serif">Law Offices of Brent Williams-Ruth, </span></b><b><span style="font-family:"Times New Roman",serif"><font size="1">a division of BWR Consulting, PLLC</font></span></b><b><span style="font-family:"Times New Roman",serif"></span></b></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><span style="font-family:"Times New Roman",serif"></span></p>
<p><b><span style="font-family:"Times New Roman",serif"><font style="color: rgb(255, 0, 0);">**EFFECTIVE IMMEDIATELY**</font> All mail sent through the USPS should be sent to the following address: </span></b><b><span style="font-family:"Times New Roman",serif">PO
BOX 3319; Federal Way, WA 98063 </span></b></p>
<p><span style="font-family:"Times New Roman",serif">Office/Scheduling Phone:<span style="color: rgb(0, 64, 128);"> </span><font style="color: rgb(255, 0, 0);">(253) 285-7751</font></span></p>
<p><span style="font-family:"Times New Roman",serif">Direct:<font style="color: rgb(255, 0, 0);"> (253) 285-7453</font></span></p>
<p></p>
<p><span style="font-family:"Times New Roman",serif"><a href="mailto:Brent@Williams-RuthLaw.com" data-auth="NotApplicable" data-loopstyle="linkonly">e-mail</a> / <a href="http://www.williams-ruthlaw.com/" data-auth="NotApplicable" data-loopstyle="linkonly">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" data-auth="NotApplicable" data-loopstyle="linkonly"><span style="font-size:9.5pt">facebook</span></a></span><span style="font-size:9.5pt; font-family:"Times New Roman",serif"> / </span><span style="font-size:12.0pt; font-family:"Times New Roman",serif"></span></p>
</div>
</div>
</div>
</div>
</div>
</div>
</body>
</html>