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My mother died last Monday and her affairs are mess. The strain that it is putting on me is horrible. She never probated the estate when my father died and both names are on the deed. I have to do two probates. She never took my father's name off of her insurance as the beneficiary and I am having to come up with cash for everything. If I were you, I would see an attorney while she is still alive. Combining all of the pressures that occur when a loved one dies with financial problems is just too much of a burden. Looking at things from my perspective, a lawyer would have been a good investment for her to have made.
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Ahhh...jeeshh...I am sorry to hear that. My thoughts and condolences are with you.
I have a little bit of experience with this becausw my sister died from cancer in November 2006.
We had an estates attorney make a house call in October of 2006 to put together a will for my sister (while she still had it kinda together upstairs and wasn't feeling the effects of the oxycontin/morphine).
My sister had a trust set up, and willed the house to the trust. She asked me to be the executor/trustee/power of attorney for her.
In talking with my mom the other day, I asked her about life insurance. She retired 10 years ago. She said to me, "I never thought I would live this long!"