<div dir="ltr"><div><div class="gmail_default" style="font-family:arial,sans-serif">I am curious - has anyone on the list had a TOD Estate - where all assets went via beneficiary or TOD designation - but then had a credit card company or other creditor actually take the steps to open probate to be able to file a creditor claim?</div><div class="gmail_default" style="font-family:arial,sans-serif"><br></div><div class="gmail_default" style="font-family:arial,sans-serif">I figure there has to be a threshold value. I can speculate with relative certainty that a multi-national bank will not spend the time/money to chase $3,000 or $5,000 - but what about $15,000? $50,000?</div><div class="gmail_default" style="font-family:arial,sans-serif"><br></div><div class="gmail_default" style="font-family:arial,sans-serif">Has anyone been part of a process where the client did not open probate and then a creditor did?</div><br clear="all"></div><div><div dir="ltr" class="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 color="#ff0000">Mailing Address:</font> </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:#004080"> </span><font color="#ff0000">(253) 285-7751</font></span></p><p><font color="#ff0000" face="Times New Roman, serif">For All Meetings & Scheduling: <a href="mailto:info@williams-ruthlaw.com" target="_blank">info@williams-ruthlaw.com</a></font></p><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><span style="font-size:12.0pt;font-family:"Times New Roman",serif"></span></p></div></div></div></div><br></div><br><div class="gmail_quote gmail_quote_container"><div dir="ltr" class="gmail_attr">On Thu, Sep 18, 2025 at 12:00 PM Eric Nelsen <<a href="mailto:eric@sayrelawoffices.com">eric@sayrelawoffices.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div class="msg3146999000404174957">
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<p class="MsoNormal"><span style="font-size:11pt">Yes. <a href="https://app.leg.wa.gov/RCW/default.aspx?cite=64.80&full=true#64.80.120" target="_blank">
RCW 64.80.120</a>:<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11pt"><u></u> <u></u></span></p>
<p class="MsoNormal" style="margin-left:0.5in"><span style="font-size:11pt">A beneficiary of a transfer on death deed is liable for an allowed claim against the transferor's probate estate and statutory allowances to a surviving spouse and children to the
extent provided in RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.18.200" target="_blank"><b>11.18.200</b></a>, <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.42.085" target="_blank"><b>11.42.085</b></a>, and chapter <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=11.54" target="_blank"><b>11.54</b></a> RCW.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11pt"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11pt">Of course, the creditors have the same problem they always do in this circumstance. If no probate is opened, they have no place to file a creditor claim. If two years goes by, their claims are extinguished.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11pt"><u></u> <u></u></span></p>
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<p class="MsoNormal"><span style="font-size:11pt">Sincerely,<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11pt"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11pt">Eric<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11pt"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11pt">Eric C. Nelsen<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11pt">Sayre Law Offices, PLLC<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11pt">1417 31st Ave South<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11pt">Seattle WA 98144-3909<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11pt">206-625-0092<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11pt"><a href="mailto:eric@sayrelawoffices.com" target="_blank"><span style="color:rgb(70,120,134)">eric@sayrelawoffices.com</span></a><u></u><u></u></span></p>
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<p class="MsoNormal"><span style="font-size:11pt"><u></u> <u></u></span></p>
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<p class="MsoNormal"><b><span style="font-size:11pt;font-family:Calibri,sans-serif">From:</span></b><span style="font-size:11pt;font-family:Calibri,sans-serif"> <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>James Dolan<br>
<b>Sent:</b> Thursday, September 18, 2025 10:42 AM<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> [WSBAPT] TODD Subject to Creditors?<u></u><u></u></span></p>
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<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)">I think I know the answer to this but I am hoping someone smarter than me will offer a better answer.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)">At death, decedent had a small bank account in his name, owned a 2013 GMC SUV worth approximately $8,000, and a home. He had 6 credit cards with a total of
approximately $40,000 in debt. <u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)">His home has TODD to significant other. We do not plan to do a probate. I am not worried about the small bank account or the vehicle.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)">Question, is the home conveyed to significant other via TODD subject to claims from creditors?<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)">Jim Dolan<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)">==================<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)">Jones Butler Dolan, PS<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)">P.O. Box 458<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)">10027 SR 532<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)">Stanwood, WA 98292<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)">(tel) 360-336-2939<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:Calibri,sans-serif;color:rgb(14,40,65)">(fax) 360-336-2949<u></u><u></u></span></p>
<p class="MsoNormal"><u></u> <u></u></p>
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