Hoopaa ana i ka home o ka hoahanau i make, na bila, a me na waiwai hooiaio¶

I loko o nā hola 48 mua ma hope o ka make ʻana o ka makua, ka hoa kāne, a i ʻole ka ʻohana pili pili, ua hoʻolei ʻia nā ʻohana kaumaha i loko o kahi ʻaha hoʻopunipuni kānāwai. Ma mua o ka hoʻokohu ʻana o ka ʻaha hoʻokolokolo i Luna Hoʻokō a Luna Hoʻokele paha, ʻaʻohe mea i loaʻa i ka mana kānāwai e hana ma ka ʻaoʻao o ka ʻāina nona hoʻokahi, akā hoʻomaka koke ka hoʻoweliweli kino a me ke kālā. ʻO nā ʻohana a i ʻole nā ​​​​mea mālama manawaleʻa me nā kī ʻokoʻa e holo pinepine i ka hale ma mua o ka hoʻolewa e wehe i nā mea nani, ke kālā, nā pū, nā inoa kaʻa, a me nā pahu palekana ("ʻaihue waiwai"). I ka manawa like, hana nā ʻohana manaʻo maikaʻi i ʻelua mau hewa pōʻino: hoʻohana mau lākou i kā lākou Mana o ka Loio a i ʻole ka kāleka hōʻaiʻē a ka mea i make (e lilo koke i felony a i ʻole hoʻololi kīwila i ka minuke pololei o ka make), a i ʻole lākou e kāhea i ka panakō a me ka hui moraki o ka mea i make me ka ʻole o ke kālā kālā, e hoʻomaka koke i ka **Automated, ka haʻalele ʻana i ka hale ʻauhau i ka hale. i hoʻopaʻa ʻole ʻia.

ʻO ka hoʻokele ʻana i ka ʻokoʻa ma waena o ka manawa o ka make a me ka hoʻopaʻa ʻia ʻana o ka hoʻopaʻapaʻa maʻamau e koi i kahi kaʻina hoʻokolokolo kū kānāwai a me ke kino. Pono ʻoe e hoʻopaʻa i ka palena kino o ka home, mālama i ka ʻinikua o ka mea nona ka hale, e laka i ka ʻōlelo hōʻaiʻē o ka mea i make no ka ʻaihue ʻana i ka ʻike ma hope o ka make, a inā hoʻoweliweli ka hoʻopaʻa paʻa ʻana, uku ʻoihana, a i ʻole squatter lockout e hoʻoweliweli i ka ʻāina, e noi i ka ʻaha hoʻokolokolo no ka pilikia. mahina.

E hana i kēia i kēia manawa¶

1. E HOʻOPI i ka hoʻohana ʻana i kekahi Mana o ka Loio (POA) a i ʻole ka hōʻaiʻē pilikino, hōʻaiʻē, a i ʻole nā ​​kāleka ATM a ka mea i make i ka manawa kūpono o ka make. Ma ke kānāwai kānāwai āpau ma waena o ʻAmelika Hui Pū ʻIa, Kanada, United Kingdom, a me Australia, kēlā me kēia Mana Loio (inā ʻo Durable, Financial, a Lapaʻau paha) ** lilo koke i 100 pākēneka i hoʻopaʻa ʻole i ka lua o ka make ke kumu**. ʻAʻole ʻae ʻia ka ʻae ʻana i ka kāleka hōʻaiʻē a ka makua i make, ke kākau ʻana i nā hōkeo me ko lākou inoa, a i ʻole ke komo ʻana i kā lākou panakō app e hoʻoili kālā iā ʻoe iho ma hope o ka hōʻailona manawa ma ka palapala make (ʻo ia hoʻi no ka uku ʻana i ko lākou hoʻolewa a moraki paha) ʻaʻole ʻae ʻia inā ʻaʻole ʻoe he ka mea nona ka waihona hui ma kēlā waihona waihona kikoʻī.
2. Hoʻopaʻa kino i ka hale noho ʻole o ka mea i make a hoʻopaʻa hou i nā laka waho i mea e pale ai i ka ʻaihue ʻana i ka waiwai. Inā noho hoʻokahi ka mea i make, he kuleana ko ka luna hoʻokō i koho ʻia a i ʻole nā ​​​​pili pili e mālama i ka waiwai mai ka ʻaihue a me ka pōʻino o ka wā. E lawe pū me ʻoe i kahi hōʻike hoʻokaʻawale ʻole, e hoʻopaʻa i kahi wikiō kelepona hoʻopaʻa manawa mau e hele ana ma kēlā me kēia lumi, ke keʻena, ka hale kaʻa, a me ka drawer * ma mua o ka hoʻopā ʻana i kahi mea hoʻokahi *, a loaʻa i kahi kī kī hou i nā puka o waho no laila ʻaʻole e hana hou nā kī ʻokoʻa i waena o nā kahu mālama, nā hoalauna, a i ʻole nā ​​​​ʻohana malihini. (Ka ʻōlelo aʻo: **Mai hoʻopaʻa i kahi hoa noho ola, keiki ʻuʻuku, a i ʻole hoa hoʻolimalima kūpono i ke kānāwai e noho nei ma ka home; ʻo ka hana ʻana pēlā he kipaku ʻole i ke kānāwai; ʻike. ʻO ka hoʻokuke hewa ʻana a me ka hoʻopaʻa ʻana i nā konohiki).
3. E kauoha koke mai i 10 a 15 mau kope i hooiaioia o ka palapala make ma o ke alakai hoolewa. O kela a me keia banako, hui iniua ola, waihona penihana, oihana kaa kaa, kakau inoa aina, a me ka aha hookolokolo pono e koi i ka palapala make i hookiekieia a i ole ia. ʻO ke kauoha ʻana i 12 kope ma mua o ka hale kupapaʻu e uku i kekahi mau kālā no ke kope a mālama i nā pule o ka ʻoihana hoʻopaʻa moʻolelo koʻikoʻi ma hope.
4. Mai hoʻolaha i ka panakō nānā ponoʻī o ka mea i make a hiki i ka wā e hoʻoiho ai ʻoe i nā ʻōlelo hou a hoʻolālā ʻia pehea e uku ʻia ai nā pila waiwai a me nā inikua. ʻO ka manawa e loaʻa ai i kahi panakō ka ʻōlelo no ka make ʻana o kahi mea mālama kālā hoʻokahi (mai ke kelepona ʻohana a i ʻole mai ke aupuni Social Security Death Master File), hoʻokuʻu ka panakō i ka 100 pakeneka o ka uku kālā a hōʻole i ka uku kālā a pau. E mālama i ka wela, ka uila, a me ka ʻinikua o ka mea hale ma ka uku ʻana i kēlā mau pila koʻikoʻi mai loko mai o kahi kāleka hōʻaiʻē ʻohana ponoʻī a i ʻole helu helu helu (e mālama ana i kēlā me kēia loaʻa no Priority Administrative Expense Reimbursement mai ka ʻāina).
5. **E hoʻomaopopo i ka mea lawe Inikua Homeowner ma ke kākau ʻana i loko o 15 a 30 mau lā a e nānā i ke kulekele "30/60-Day Vacancy Clause." make ka mea hoʻolimalima a ʻaʻole hoʻolaha ʻia ka mea lawe ma mua o ka hoʻololi ʻana i ke kulekele.
6. Hoʻokuʻu i nā hōʻike hōʻaiʻē a ka mea i make a mālama i kā lākou atamai, kāleka SIM, a me ka pahu leka uila. E hoʻopaʻa ʻia ke kelepona mua o ka mea i make, e hoʻokomo iā ia ma ke ʻano mokulele me ka Wi-Fi inā pono, a ʻaʻole e kāpae i kā lākou kelepona kelepona. ʻO kā lākou helu kelepona paʻa a me ka leka uila nā kī ʻelua-factor authentication (2FA) e pono ai e ʻimi i nā ʻōlelo panakō kikohoʻe, cryptocurrency, nā waihona ʻauhau, a me nā puka pono.

flowchart TD
    A["Ua hala ka pilina me ka haʻalele ʻana i ka home, nā waihona kālā, a me nā bila"] --> B["HOʻOPI i ka hoʻohana ʻana i ka Mana o ka Loio a i ʻole nā kāleka hōʻaiʻē a ka mea i make koke"]
    B --> C{"Ua noho hoʻokahi ka mea i make i loko o kahi hale noho ʻole?"}
    C -->|"ʻAe: hale noho ʻole"| D["E hele i ka home me ka hoʻopaʻa ʻana o nā mea hōʻike wikiō mau, a laila kī hou i nā laka o waho"]
    C -->|"ʻAʻole: Noho ka hoa ola, hoa noho, a i ʻole ka noho ʻana ma laila"| E["Mai hoʻololi i nā loka a wehe paha i ka mea noho; e hoʻopaʻa i ka waihona wikiō o nā mea ʻokoʻa o ka mea i make ma ka ʻaelike"]
    D --> F["Hoʻopaʻa i nā mea kaua, nā ʻōlelo kuhikuhi, ke kālā, nā mea nani, a me ka Original Will i loko o ka mālama ahi"]
    E --> F
    F --> G{"He hui/POD a i ʻole inoa wale nō nā waihona waihona?"}
    G -->|"Hui pū me Survivorship or Payable-on-Death (POD)"| H["E koi pololei i ke kālā ma ka panakō me ka Certified Death Certificate + Government ID (bypasses probate)"]
    G -->|"Inoa-Inoa wale nō (Pau ʻia a hiki i ke kauoha a ka ʻaha)"| I{"ʻO ka huina o ka waiwai hoʻoholo ma lalo o ka mokuʻāina liʻiliʻi (e.g., $50k a i $184k)?"}
    I -->|"ʻAe: Waiwai Liʻiliʻi"| J["E kali i ke kānāwai 30 a 45 mau lā a hōʻike i ka ʻōlelo hoʻohiki liʻiliʻi liʻiliʻi i ka panakō"]
    I -->|"ʻAʻole: pilikia ka hoʻokolokolo piha a i ʻole ka waiwai paʻa"| K{"Aia kekahi pilikia koʻikoʻi (hoʻopaʻa ʻia, uku ʻoihana, squatter, waiwai palaho)?"}
    K -->|"ʻAe"| L["ʻO ka ʻAha Hoʻokolokolo Hoʻopiʻi no Ex Parte Luna Hoʻokele Kūikawā / Nā leka mua i loko o 24 a 72 mau hola"]
    K -->|"ʻAʻole"| M["Waiho i ka palapala noi maʻamau no ka Probate no ka loaʻa ʻana o nā Letters Testamentary / Letters of Administration"]

Pahele 1: No ke aha e hāʻawi ai iā ʻoe i ka mana kānāwai ʻole a hiki i ka luna kānāwai ke kau inoa i nā leka.¶

ʻO kekahi o nā manaʻo kuhi hewa loa i ka pilikia o ka ʻāina ʻo ka manaʻoʻiʻo ʻo ka paʻa ʻana o ka makua i hoʻopaʻa inoa ʻia, notarized Last Will and Testament e ʻōlelo nei *"Ke koho nei au i kaʻu kaikamahine ʻo Sarah i Luna Hoʻokō" * ʻo ia hoʻi ʻo Sarah ka Luna Hoʻokō i ka lā ma hope o ka hoʻolewa.

Ma lalo o nā kānāwai o kēlā me kēia mokuʻāina ʻo ʻAmelika, ka ʻāina ʻo Kanada, a me ka mokuʻāina ʻo Australia, he koho wale nō ka Palapala Kauoha. A hiki i ka wā e waiho ʻia ai ka Palapala Kauoha mua i ka ʻAha Hoʻokolokolo (Surrogate's Court / Orphans' Court) a hoʻopuka ka luna kānāwai a i ʻole ka mea kākau inoa i kahi palapala hoʻokolokolo kūhelu me kahi sila i hoʻopaʻa ʻia i kapa ʻia ʻo Letters Testamentary (a i ʻole Letters of Administration a i ʻole Letters of Administration inā ʻaʻole he Palapala Kauoha, ** UK/Kanada/Australia, ʻoiai he haʻihaʻi ko ke kānāwai UK no ka "relation back" no nā mea hoʻokō): * E hōʻole ʻo nā panakō e ʻae iā ʻoe e hoʻopā i kahi moʻokāki inoa hoʻokahi a i ʻole e haʻi iā ʻoe i ke koena. * ʻAʻole hiki iā ʻoe ** ke kau inoa i kahi palapala, kūʻai aku i ke kaʻa o ka mea i make, a hoʻokuke paha i kahi lawehala. * Inā hāʻawi ʻoe i nā lako, nā kaʻa, a i ʻole kālā i nā lālā o ka ʻohana ma mua o ka uku ʻana i ka poʻe ʻaiʻē mua, nā bila hoʻolewa, ka hoʻihoʻi ʻana i ka waiwai Medicaid, a me nā ʻauhau, lilo ʻoe i ** kuleana pilikino mai loko mai o kāu ʻeke ponoʻī ** (i ʻike ʻia he kuleana ma ke ʻano he executor de son tort, a i ʻole "intermeddling executor").

He aha ka mea i koho ʻia i ʻae ʻia (a manaʻo ʻia) e hana ma mua o ke koho ʻana i ka ʻAha¶

Ma kahi kokoke i nā code probate a pau o ka mana (e like me ka Uniform Probate Code (UPC) Section 3-701, e ʻōlelo ana *"Ma mua o ke koho ʻana, hiki i ka mea i kapa ʻia ʻo executor i loko o kahi palapala kauoha ke hana i nā ʻōlelo aʻoaʻo o ka mea i make e pili ana i kona kino, hoʻolewa a me nā hoʻonohonoho kanu ʻana, a hiki ke pale a mālama i ka ʻāina i hala. hookohu aha: 1. Hiki iā ʻoe ke hana i ka hoʻolewa, ke kuni ʻana, a i ʻole ke kanu ʻana e like me ke kānāwai o nā kānāwai pili pili. 2. Hiki iā ʻoe ke **hoʻopaʻa kino a hoʻoilo i ka hale o ka mea i make, hoʻololi i nā laka e pale aku ai i ka ʻaihue e ka poʻe ʻaʻole kamaʻāina, e hoʻopaʻa i nā puka makani i haki ʻia, a e uku i ka ʻinikua waiwai a i ʻole nā ​​​​pili waiwai mai loko mai o ka ʻeke (me ke kuleana mua o ke kānāwai e uku mua ʻia mai ka ʻāina ma mua o ka loaʻa ʻana o kahi dime). 3. Hiki iā ʻoe ke lawe i ka mālama pale no ka manawa pōkole, nā mea waiwai nui, nā palapala hōʻoia waiwai, nā kī kaʻa, a me nā mea kaua (e mālama ʻole ʻia i loko o kahi pahu palekana paʻa a i ʻole pahu panakō me kahi papa inoa o nā mea i ʻike ʻia) no laila ʻaʻole lākou i ʻaihue ʻia i ka wā e kali ana i nā Letters Testamentary.

Hoʻohālikelike honua: nā mana hoʻokolokolo pilikia, nā pōkole waiwai liʻiliʻi, a me ka hoʻokuʻu ʻana i ka panakō¶

Ka papa inoa o ka palekana kino no ka home o ka mea i make¶

Ke make ka mea noho kaʻawale ma ka home a i ʻole ma ka haukapila, lilo ko lākou hale i mea pahuhopu nui i loko o nā hola. ʻAʻole wale nā ​​ʻohana kaʻawale a i ʻole nā ​​hoa pili hewa me nā kī kahiko e wikiwiki e "lawe i ka mea a Māmā i hoʻohiki ai iaʻu," akā ʻo ka poʻe ʻaihue ʻoihana e nānā ikaika nei i nā hale hoʻolewa ma ka pūnaewele e ʻike i ka helu kikoʻī o kahi hale kaʻawale a me ka pukaaniani 2-hola pololei i ka wā e noho ai ka ʻohana holoʻokoʻa ma ka hale pule a i ʻole ka lua kupapaʻu.

E hoʻokō i kēia First-48-Hour Physical Security Protocol:

1. The Two-Person Continuous Video Walkthrough (Ma mua o ka pā ʻana i kekahi mea)¶

Ma mua o kou wehe ʻana i kahi pahu pahu hoʻokahi a hoʻoneʻe paha i kahi ʻāpana mea nani: * E komo i loko o ka hale me ** hoʻokahi mea hōʻike kūʻokoʻa a i ʻole ka ʻohana pili**. * E hoʻā i kāu pahupaʻiwikiō atamai, e hōʻike i ka lā a me ka manawa me ka leo nui, a e kiʻi i kahi ** hele mau ʻole, ʻaʻole i hoʻoponopono ʻia ** o kēlā me kēia lumi, ka paia, ke keʻokeʻo, ka pahu lei, ka pahu mea hana kaʻa, ka pū palekana, a me ke kaʻa kaʻa. * No ke aha mai? Ma kahi kokoke i nā hoʻopaʻapaʻa hoʻopaʻapaʻa i hoʻopaʻapaʻa ʻia, hoʻopiʻi kekahi kaikunāne huhū i ka mea hoʻokō no ka ʻaihue *" ʻO ka Rolex $ 15,000 a Pāpā a me ke kālā $ 10,000 āna i mālama ai i ka pō."

2. Hoʻopaʻa hou i nā laka o waho a i ka wā e kū ai ke kānāwai vs¶

• I ka wā i noho kaʻawale ai ka mea i make (100% ʻAʻole i noho ʻia): E loaʻa i kahi locksmith ** kī hou i nā pahu make waho a pau, hoʻololi i nā code keypad kaʻa, a hoʻopau koke i ke komo ʻana i ka app laka paʻa **. E mālama i ka loaʻa kālā a ka mea laka no ka uku ʻana i ka waiwai. Inā koi nā kaikunāne i kī i hiki ai iā lākou ke hele i loko o ka hale me ka ʻole o ka hoʻolaha ʻana, e hōʻole ʻoluʻolu ma ke kākau ʻana: e wehewehe ʻo ka mea i koho ʻia (a i ʻole ka mea mālama mālama i ka waiwai), pono ʻoe e ke kānāwai a me ke kulekele ʻinikua o ka mea hale e hoʻopaʻa paʻa i ka hale, a e kono ʻia nā hoʻoilina a pau no kahi papa inoa i hoʻopaʻa ʻia, nānā ʻia ma ka papa inoa o ka waiwai.
• I ka noho ana o kekahi hoa ola, hoa hoa, keiki makua, a i ole hoa rumi paha ma ka home: ** MAI HOOLOLI I NA LAKA.** Ina paha he 100 pakeneka o ka hale i ka mea i make ma ko lakou inoa hookahi a me ko lakou Palapala Kauoha e haalele i ka hale no kekahi mea e, o kela mea keia mea i noho ku i ke kanawai ma ka hale i ka la i make ai he **kuai a i ole ia he kanaka ola. He kumu kumukānāwai ko ke keiki a i ʻole ke kānāwai Probate Homestead / Right of Quarantine / Year's Support occupancy right e noho ma ka hale male me ka hoʻolimalima ʻole ʻia no nā mahina a i ʻole ke ola). ʻO ka hoʻopaʻa ʻana i kahi kamaʻāina e noho nei me ka ʻole o ke kauoha kipaku ʻia e ka ʻaha hoʻokolokolo he hewa ia a he hewa kīwila. Akā, e noi i ka kama'āina e hele pū me ʻoe ma kahi papa wikiō o ka haʻawina pilikino palekana a kaʻawale a ka mea i make.

3. Hoʻopaʻa koke ʻana i nā mea pilikia kiʻekiʻe (nā pū, narcotics, ke kālā, a me ka makemake kumu)¶

I kāu huakaʻi hele mua, ʻimi a hoʻopaʻa i ʻehā mau ʻāpana kikoʻī o nā mea: 1. The Original, Ink-Signed Last Will and Testament: Pono nā ʻaha hoʻokolokolo i ka ke kino, pepa kumu maoli (inā mālama ka mea i make i ka Palapala Kauoha mua ma ko lākou home a ʻaʻole hiki ke loaʻa ma hope o ko lākou make ʻana, ua hoʻopiʻi nā ʻaha i ka manaʻo pili kānāwai i ka mea i make * haehae ʻia e hoʻopau iā ia ). ** ʻŌlelo Aʻo: ʻAʻole loa e wehe i nā mea koʻikoʻi mai kahi Palapala Kauoha mua e paʻi a kiʻi paha iā ia.* ʻO ka wehe ʻana i nā mea koʻikoʻi mai kahi Palapala Kauoha e hoʻomaka ai ka manaʻo hoʻokolokolo ʻakomi ua hoʻololi ʻia nā ʻaoʻao, e koi ana iā ʻoe e hahai i nā mea hōʻike kumu e kau inoa i "Affidavits of Unstapling." E kau i ka Palapala Kauoha mua i loko o ka lima plastik a waiho aku me ke Kakauolelo o ka Aha Hookolokolo i loko o ka palena palena o ke kanawai (e like me 10 a 30 mau la mahope iho o ka ike ana i ka make). 2. ** Ka Papa Hana II-V Nā Laʻau Lapaʻau (Opioids, Fentanyl Patches, Benzodiazepines):** Ke make ka hale hospice a i ʻole ka maʻi maʻi maʻi mau, piha pinepine ko lākou hale moe i ka wai morphine, oxycodone, a me fentanyl patches. ʻO ka waiho ʻana i nā mea i hoʻopaʻa ʻia i loko o ka hale kaʻawale e kono ai i ka ʻaihue a me ka overdose. E hoʻopaʻa a hoʻokuʻu koke iā lākou ma kahi hale kūʻai lāʻau i ʻae ʻia e DEA a i ʻole ka hoʻohana ʻana i nā protocols disposal FDA. 3. Nā Pū (ʻOi aku ka NFA Title II Regulated Items): Wehe a hoʻopaʻa i nā pū a pau i loko o kahi pahu palekana, a e hoʻopaʻa i kēlā me kēia Make, Model, Caliber, a me Serial Number ma kāu pepa ʻike. * Aʻoaʻo Koʻikoʻi Federal Felony (United States): E nānā inā he National Firearms Act (NFA) Title II mau mea i ka mea i make (e like me ** nā mea hoʻoheheʻe ʻia, nā pū pana pōkole, nā pū pana pōkole, a i ʻole nā ​​pū mīkini i kākau inoa ʻia**). Ma lalo o ke kānāwai federal (26 U.S.C. Sec. 5812), he 10-makahiki federal felony no ka hoa a i ʻole ka hoʻokō pili i ka lawe ʻana i kekahi mea NFA i kākau ʻole ʻia a i ʻole kekahi mea NFA i hoʻopaʻa inoa ʻia i ka mea i make. ʻO ka Luna Hoʻokō i koho ʻia ma ke kānāwai wale nō (a ʻoiai e kali ana, paʻa paʻa i ka waiho ʻana ma ka hale ʻāina) hiki ke paʻa i nā mea NFA i ka wā e waiho ana ATF Form 5 (Noi no ka Hoʻololi ʻAha ʻAha ʻAha a me ka Hoʻopaʻa inoa ʻana i nā Pu i kahi Hoʻoilina kānāwai). 4. Nā Pahu Waiho Palekana ma ka Panakō: Inā loaʻa iā ʻoe ke kī o kahi pahu waihona mālama panakō i paʻa wale ma ka inoa o ka mea i make, mai hoʻāʻo e holo i loko o ka waihona waihona me ka hoʻohālike ʻana e ola ana ke kanaka (ua hoʻopaʻa ʻia ka lāʻau hōʻailona o ka panakō a hoʻohālikelike ʻia me ka palapala make). Aneane i kēlā me kēia mokuʻāina ʻAmelika (e laʻa., California Prob. Code Sec. 331, New York SCPA Sec. 2003, Florida Stat. Sec. 655.935, Texas Estates Code Sec. 151.001) loaʻa kahi ** Statutory Safe Deposit Box Will-Search Procedure** e hiki ai i ka lālā o ka ʻohana ke kī i ka ʻohana ma lalo o ka Hale Paʻi o ka ** e nana pono a wehe i ka Original Will, Burial Plot Deed, and Life Insurance Policies mamua o ka weheia ana o ka probate.

Ke ola nei i ka "Estate Cash Freeze": pehea e uku ai i ka hoʻolewa, moraki, a me nā pono hana ke laka ʻia nā moʻokāki¶

I ka wā e paʻa ai ka waihona kālā hoʻokahi i ka make, pehea ʻoe e uku ai i ka bila hale hoʻolewa $8,000, ka moraki o kēlā me kēia mahina, a me ka bila hoʻomehana hoʻoilo i ka wā e kali ana i nā pule he 6 a hiki i 12 no ka hoʻopuka ʻana o ka ʻAha Hoʻoholo i nā Letters Testamentary?

5 mau ala e wehe koke ai i ke kālā me ke kali ʻole i ka Probate piha¶

1. Uku pololei i ka Baneko no ka Bila Hoolewa: E lawe pololei i ka ** palapala make i hooiaioia mua ia** a me ka ** invoice hale hoolewa i hoike pololei ia i kekahi luna lala ma ka panakō o ka mea i make. Ma UK, Kanada, Australia, a me nā panakō nui nui o ʻAmelika (ma lalo o nā kānāwai panakō mokuʻāina), e ʻoki ka panakō i kahi ʻeke kālā ** e uku pololei ʻia i ka Funeral Home** mai loko mai o ka hōkeo a i ʻole ka waihona mālama kālā a ka mea i make *ma mua o ka waiho ʻia ʻana o kekahi palapala hoʻopaʻa.
2. Payable-on-Death (POD), Transfer-on-Death (TOD), a me Joint Accounts Bypass Probate Completely: E nīnau i ka luna o ka panakō (a i ʻole e nānā i nā ʻōlelo pepa) inā he Joint Owner with Right of Survivorship (JTWROS)-For-Pod-Fort-Fort-Fort-For-survivorship (JTWROS)-/POD-Fort-Forership a i ʻole ka mea i make. (ITF) mea kōkua.
3. ** ʻO nā moʻokāki POD a me nā moʻokāki hui he mau waiwai ʻaʻole hoʻokolokolo.** ʻAʻole lākou e kali no ka Palapala Kauoha a i ʻole ka ʻAha Hoʻokolokolo. ʻO ka mea i loaʻa i ka inoa a i ʻole ka mea hui ola e hele wale ana i loko o ka panakō me ** hoʻokahi palapala hōʻoia make a me kā lākou laikini kaʻa**, a hoʻokuʻu ka panakō i ka 100 pakeneka o ke kālā i kēlā pule hoʻokahi.
4. ** Nā Pōmaikaʻi Make ʻImi Ola (Uku ʻia ma 7 a 14 mau lā):** Nā kulekele ʻinikua ola me ka mea i loaʻa i ka inoa ola (ʻaʻole e uku ʻia iā "My Estate") e kāʻalo loa i ka palapala hoʻopaʻi a ʻaʻole hiki ke hopu ʻia e ke kāleka hōʻaiʻē a ka mea i make. E waiho i ke koi ma ka pūnaewele me ka palapala hōʻoia make; Hoʻouna pinepine nā mea hoʻolale i ka uku ʻauhau ʻole i loko o 7 a 14 mau lā ʻoihana.
5. ** Ke hoʻonui nei i nā kumukūʻai mālama ʻāina wikiwiki iā ʻoe iho (Hoʻihoʻi hou i ka mea mua):** Inā ʻoe e uku i ka bila hoʻolewa, ka locksmith, ka ʻinikua o ka mea hale, a i ʻole ka pila hoʻohana wikiwiki mai kāu ʻeke ponoʻī e pale aku i ka lilo ʻana o ka waiwai, ** mālama i kēlā me kēia mea i loaʻa a uku ʻia ma ke kāleka a i ʻole kāleka hōʻaiʻē (ʻaʻole loaʻa kālā)**. Ma lalo o nā kānāwai koʻikoʻi o ka probate ma kēlā me kēia mokuʻāina (e laʻa, Uniform Probate Code Section 3-805), Costs of Administration (e pili ana i ka mālama ʻana i ka waiwai waiwai) a me Reasonable Funeral Expenses e noho ana ma luna pono o ka pyramid statutory aie (Classes 1 a me 2), ma mua o nā ʻauhau, nā kāleka hōʻaiʻē. E uku ʻia ʻoe i 100 keneta ma ke kālā mai ka luna o ka ʻāina i ka wā e wehe ai ka waihona waihona waiwai, a ʻaʻole ʻo ia ka uku ʻauhau iā ʻoe.
6. Ka pale ʻana i ka moraki ma lalo o ka Federal Garn-St Germain Act & CFPB Successor Rules:
7. Mai makaʻu ʻo ka hoʻolaha ʻana i ka hui moraki o ka make ʻana o ka makua a i ʻole ka hoa kāne e koi ai ka panakō i ka uku koke ʻana o ka hōʻaiʻē moraki he $250,000. Ma lalo o ke aupuni pekelala Garn-St Germain Depository Institutions Act o 1982 (12 U.S.C. Sec. 1701j-3(d)), ua pāpā loa ʻia nā mea hōʻaiʻē moraki e ke kānāwai federal** mai ka hoʻohana ʻana i ka paukū "due-on-sale" acceleration clause ke hoʻololi ʻia kahi waiwai noho (1 a i ka 4 ʻāpana) o ka mea hoolimalima hui, a i ole ia i hooliloia i ka hoohana ma muli o ka make ana o ka mea aie.
8. Ma lalo o Consumer Financial Protection Bureau (CFPB) Regulation X (12 C.F.R. Sec. 1024.30 / Successor in Interest Rules), ʻoiai ma mua o ka pau ʻana o ka palapala hoʻopaʻapaʻa, hiki iā ʻoe ke hoʻouna i ka mea lawelawe moraki i kākau ʻia Notice of Death and Successor in Interest Documentation Request (e hoʻopili ana i ka palapala hōʻoia o ka make a me kahi kope o ka palapala hōʻoia hānau ʻana). Ma ke kānāwai federal, pono ka hui moraki ** e hōʻoia i kou kūlana a ʻae iā ʻoe e nānā i ke koena o ka hōʻaiʻē, e uku i kēlā me kēia mahina no ka pale ʻana i nā uku lohi, a i ʻole e noi no ka hoʻohaʻahaʻa / hoʻomanawanui** me ka ʻole e koi iā ʻoe e hoʻihoʻi hou i nā kumukūʻai kiʻekiʻe o kēia lā.

Pehea e loaʻa ai ka mana o ka ʻaha hoʻokolokolo 48-hola: Noi ʻana no ka "Administrator Special" a i ʻole "Nā Palapala Hoʻomaka"¶

He aha inā ʻaʻole hiki iā ʻoe ke kali i nā lā 60 no ka probate maʻamau no ka mea: * Hoʻopaʻa ʻia ka hale o ka mea i make no ka ** hoʻopaʻa a i ʻole ke kudala ʻauhau ** i kēia pule aʻe; * Ua neʻe aku kekahi kanaka ʻāhewa ʻole a i ʻole ka ʻohana hoʻomāinoino i ka hale o ka mea i make a ke kūʻai aku nei i nā mea āpau o loko ma Facebook Marketplace; * Na ka mea i make he ʻoihana hoʻoilina ponoʻī (e like me ka ʻoihana lapaʻau, hale ʻaina, a hui kaʻa kaʻa paha) me nā limahana e uku ʻia ana ka uku ma ka Pōʻalima; a i ʻole * Ua make ka mea i make ma waena o ka pani ʻana i kahi ʻaelike e kūʻai aku i ko lākou hale, a e hele ka mea kūʻai aku inā ʻaʻole hiki i kekahi ke kau inoa i ka palapala pani?

ʻO ka hopena o ke kānāwai: Ex Parte Petition for Special Administration¶

Loaʻa i kēlā me kēia ʻōnaehana hoʻokolokolo hoʻokolokolo he ** ʻano hana wikiwiki wikiwiki ** e kāpae i ka hoʻolaha nūpepa maʻamau 30-a-60 lā a me ka manawa kali hoʻolaha hoʻoilina: * Ma ka hapa nui o nā mokuʻāina ʻo US (e laʻa., California Prob. Code Sec. 8540, Uniform Probate Code Sec. 3-614, Nevada, Arizona, Illinois, Florida, Texas Temporary Administration): E waiho i kahi Ex Parte Petition for Appointment of Special Administrator (me kahi ʻōlelo kākoʻo o ka pōʻino hiki ke hoʻopau koke ʻia). Hiki i ka luna kānāwai hoʻokolokolo ke nānā i ka palapala noi ma nā keʻena i loko o 24 a 72 hola a hoʻopuka i Letters of Special Administration, e hāʻawi iā ʻoe i kēlā ahiahi e hoʻokuʻu i nā moʻokāki, hoʻopaʻa inoa i nā loiloi, hoʻokele i ka ʻoihana, a i ʻole e waiho i kahi kauoha kipaku / kāohi. * Ma New York (SCPA Sec. 1412): I ka waiho ʻana i kahi Palapala Kauoha, e waiho i kahi palapala noi no Preliminary Letters Testamentary, nāna e hāʻawi i ka luna hoʻokō i koho ʻia i ka mana koke e hōʻiliʻili i nā waiwai, mālama i ka waiwai paʻa, a uku i nā bila i ka wā e hoʻokō ʻia ai ka palapala Will formal a i ʻole nā ​​hoʻokūkū ʻohana. * Ma United Kingdom, Kanada, a me Australia: E noi i ka Probate Registry a i ʻole ʻAha Kiekie no ka Grant Ad Colligenda Bona ("e hōʻiliʻili a mālama i nā waiwai"), nāna e ʻae i ka luna hoʻomalu manawa e komo koke e hoʻopau i kahi kūʻai waiwai, hoʻopaʻa i nā waiwai palaho, a pale paha i kahi ʻoihana.

Hoʻopau i ka hoʻomāinoino ʻana o ka mea nāna i ʻaiʻē a me ka ʻaihue ʻike post-mortem¶

I loko o nā pule ma hope o ka make ʻana, hoʻomaka ka poʻe ʻohi aie i hoʻohana ʻia e nā "ʻoihana hōʻiliʻili kālā make" kūikawā (e like me DCM Services a i ʻole Estate Information Services) e kāhea i nā hoa kāne kaumaha a me nā keiki makua. Hoʻohana ka poʻe ʻohi ʻohi i ke kaomi noʻonoʻo i kākau ʻia, "ʻAʻole makemake kou makuahine e hoʻohanohano ʻia kāna mau kuleana i maopopo ai kona inoa?", e hoʻopunipuni i nā ʻohana e uku i ka kāleka hōʻaiʻē a i ʻole nā ​​​​pili lāʻau lapaʻau me kā lākou kāleka hōʻaiʻē ponoʻī a i ʻole ka ʻinikua ola.

ʻO ke kānāwai gula o ka aie i make: ʻaʻole kuleana pilikino nā ʻohana¶

• Pehea e hana ai ka Insolvent Estates: Ua uku ʻia nā ʻaiʻē ʻole (kāleka hōʻaiʻē, nā hōʻaiʻē pilikino, nā bila lapaʻau) wale nō mai nā waiwai i koe o ka waiwai hoʻopaʻapaʻa ma hope o nā lilo hoʻolewa, uku ʻia nā uku hoʻokolokolo/hoʻokō, nā alana ʻohana, a me nā ʻauhau. Inā make ka mea i make me $3,000 i loko o kahi waihona hōkeo a me $45,000 i ka ʻaiʻē kāleka hōʻaiʻē (a he $250,000 ke kulekele ʻinikua ola e uku ʻia i kā lākou mau keiki), hele ka $3,000 i ka bila hoʻolewa, mālama nā keiki i 100 pakeneka o ka \(250,000 me ka ʻauhau ʻole o ka ʻinikua ola, a ʻo ka **\)000 ka ʻauhau ʻaiʻē ʻole. kākau ʻia ma ke ʻano he hiki ʻole ke ʻohi ʻia.
• Ma lalo o ka Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. Sec. 1692c): Ua ʻae ʻia ka poʻe ʻohi aie e kūkākūkā i nā aie o ka mea i make me ka hoa ola, makua (inā he keiki ʻuʻuku), luna hoʻokō, a luna hoʻomalu, a ua ʻae ʻia lākou e pono ʻia lākou e nā lālā o ka ʻohana i ka hewa. aie mailoko mai o ko lakou mau dala ponoi.

Laka ʻaihue ʻike ma hope o ka make ("Ghosting" Prevention)¶

ʻOhi nā ʻaihue ʻike i nā obituaries a me nā moʻolelo moʻokūʻauhau e noi ai no nā kāleka hōʻaiʻē a me nā hoʻihoʻi ʻauhau ma ka inoa o ka mea i make ma mua o ka hoʻonui ʻana o nā ʻoihana hōʻaiʻē i kā lākou faila. 1. E hoʻouna i kope i hōʻoia ʻia o ka palapala make ma o ka leka uila i nā ʻoihana hōʻaiʻē ʻekolu (Equifax, Experian, a me TransUnion) me ka noi i kākau ʻia ma lalo nei e kau i kahi hae "Deceased Alert: Do Not Issue Credit" ma ka waihona aie. 2. Mai kau i ka lā hānau pololei o ka mea i make, ka inoa kaikamahine, ka inoa kaikamahine o ka makuahine, a i ʻole ka helu wahi alanui home i loko o ka nūpepa lehulehu a i ʻole ka palapala make pūnaewele.

Papa Hoʻolaha: Hoʻolaha no ka make i nā poʻe ʻaiʻē, nā mea hoʻolako pono, a me nā keʻena ʻaiʻē¶

VIA CERTIFIED MAIL

Date: [Insert Date]
To: [Credit Bureau / Bank / Credit Card Issuer / Utility Bereavement Dept.]
Address: [Insert Address]

RE: OFFICIAL NOTIFICATION OF DEATH AND PERMANENT ACCOUNT / CREDIT FREEZE
Deceased Full Legal Name: [First, Middle, Last Name]
Date of Birth: [MM/DD/YYYY]
Date of Death: [MM/DD/YYYY]
Last Known Residence: [Street Address, City, State, ZIP]
Account Number / Last 4 of SSN: [Insert Account # or SSN if Sending to Credit Bureau]

To Whom It May Concern:

I am writing as the [Surviving Spouse / Next of Kin / Nominated Personal Representative] of [Deceased Name], who passed away on [Date of Death]. A copy of the official Certificate of Death is enclosed.

1. FOR CREDIT BUREAUS (EQUIFAX, EXPERIAN, TRANSUNION):
Please immediately place a permanent "DECEASED - DO NOT ISSUE CREDIT" flag on the consumer credit file of [Deceased Name] to prevent post-mortem identity theft, and mail a copy of the current credit report to me at the address below so I can identify any unauthorized post-death accounts.

2. FOR UNSECURED CREDITORS AND CARD ISSUERS:
Please freeze this account immediately against any further charges or interest accrual, cancel any recurring authorizations, and note that no surviving family member is personally liable for this individual obligation. Do not contact family members by telephone regarding collection. Any formal creditor claim against the estate must be submitted strictly in writing in accordance with state probate creditor-claim statutes once an estate administration is opened (or please close and write off the account as uncollectible if the estate is insolvent / small-estate exempt).

Sincerely,

[Your Signature]
[Your Printed Name and Relationship to Deceased]
[Your Mailing Address]
Enclosure: Copy of Certificate of Death

Nīnau pinepine¶

Nā alakaʻi pili¶

• ʻO ka hoʻokuke hewa ʻana a me ka hoʻopaʻa ʻana i nā konohiki
• ʻAha hoʻokolokolo koi liʻiliʻi, nā leka koi, a me nā hoʻoholo paʻa
• Hana ʻia me kahi hoʻopiʻi kīwila: pane pilikia
• Hiki i ka Apple ID, Google, a i ʻole ka hoʻihoʻi ʻana i ka moʻokāki kaiaola Microsoft
• Hoʻopaʻa ʻia ka luna ʻōlelo huna, nalowale ka ʻōlelo huna a me ka hoʻihoʻi ʻana i ka waihona
• Pane pilikia ʻaihue ʻike
• Nā helu ulia pōpilikia honua

Nānā ʻia nā kumu¶

• Uniform Law Commission (United States): Uniform Probate Code (UPC) Sections 3-614 to 3-618 (Special Administrator Emergency Appointment), Section 3-701 (Time of Accrual of Duties & Pre-appointment Preservation Powers), Section 3-805 (Classification and Priority of Claims) Estate Affidavit).
• ʻO Federal Garn-St Germain Depository Institutions Act o 1982 (12 U.S.C. Sec. 1701j-3(d)) & Consumer Financial Protection Bureau (CFPB) Regulation X (12 C.F.R. Sec. 1024.30) (United States): Preemption of Mortgage Clause Due-Son Right Up.
• Federal Trade Commission (FTC) (United States): Fair Debt Collection Practices Act (FDCPA) Policy Statement on Decedent Debts (76 Fed. Reg. 44915) and Stopping Post-Mortem Identity Theft.
• Ke Keʻena o ka Alcohol, Tabacco, Firearms and Explosives (ATF) (United States): National Firearms Act (NFA) Handbook Mokuna 9.5 & ATF Form 5 (Tax-Exempt Transfer of Registered NFA Firearms to a Lawful Heir).
• Uniform Law Commission (United States): Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA) for Executor Access to Cloud and Email Accounts.
• HM Courts & Tribunals Service (HMCTS) & GOV.UK (United Kingdom): Administration of Estates Act 1925, Hāʻawi Ad Colligenda Bona Nā noi pilikia, haʻi mai iā mākou i ka lawelawe ʻana, a me ke kumu uku pololei no nā bila ʻauhau hoʻolewa a me ka hoʻoilina.
• ʻO Ontario Estates Act & Kuhina o ka Loio Kuhina (Kanada): ʻO ke kaʻina hana palapala hōʻoia liʻiliʻi (ma lalo o CAD $150,000) a me nā kuleana mālama mālama waiwai.