Ịchekwa ụlọ, ụgwọ, na akụrụngwa onye ikwu onye nwụrụ anwụ¶

N'ime awa 48 mbụ mgbe nne ma ọ bụ nna, di ma ọ bụ nwunye, ma ọ bụ onye ikwu ha nwụsịrị, ezinụlọ ndị na-eru uju na-atụba n'ime oghere iwu na-aghọ aghụghọ. Tupu ụlọ ikpe probate na-ahọpụta onye mmebe ma ọ bụ onye nchịkwa, ** ọ nweghị onye nwere ikike iwu na-akpaghị aka ime ihe n'aha onye nwe naanị ya **, mana ihe iyi egwu anụ ahụ na nke ego na-amalite ozugbo. Ndị ikwu ma ọ bụ ndị na-elekọta ndị nwere igodo mapụtara na-agbabakarị n'ụlọ tupu olili ozu ahụ iji yipụ ọla, ego, egbe, aha ụgbọ ala, na nchekwa ("ịkwakọrọ ihe ụlọ"). N'otu oge ahụ, ndị ezinaụlọ nwere ezi nzube na-emehie abụọ na-emebi emebi: ha na-eji ike nke Attorney ha ma ọ bụ kaadị debit nke onye nwụrụ anwụ (nke na-aghọ nnukwu mpụ ma ọ bụ ntụgharị obodo n'otu oge nke ọnwụ), ma ọ bụ na-akpọ ụlọ akụ nke onye ahụ nwụrụ anwụ na ụlọ ọrụ nnyefe n'oge na-enweghị nkwado ndabere na mpaghara, na-akpalite ngwa ngwa ** Akwụsịtụ ọnwụ n'ụlọ, na-ahapụ ihe onwunwe n'efu. ụlọ enweghị mkpuchi.

Ịgagharị n'ọghere dị n'etiti oge ọnwụ na nhọpụta oge nyocha chọrọ usoro nhazi nke iwu na nke anụ ahụ nwere ọzụzụ. Ị ga-echekwa gburugburu anụ ahụ nke ụlọ ahụ, chekwaa mkpuchi mkpuchi onye nwe ụlọ na-enweghị ohere, kpochie profaịlụ kredit nke onye nwụrụ anwụ megide izu ohi njirimara nwụrụ anwụ, yana, ọ bụrụ na mgbagha ngwa ngwa, ụgwọ ọrụ azụmaahịa, ma ọ bụ mkpọchi squatter na-eyi ala ahụ egwu, rịọ ụlọ ikpe probate maka ihe mberede ** Onye isi nchịkwa pụrụ iche n'ime onye isi nchịkwa * nke Colligen ụbọchị karịa ọnwa.

Mee nke a ugbu a¶

1. ** Kwụsị iji ikike ọ bụla nke Attorney (POA) ma ọ bụ debit, kredit, ma ọ bụ kaadị ATM nke onye nwụrụ anwụ n'oge ọ nwụrụ.** Site n'iwu iwu zuru ụwa ọnụ n'ofe United States, Canada, United Kingdom, na Australia, ikike ọ bụla nke Attorney (ma Durable, Financial, ma ọ bụ ahụike) ** na-aghọ 100% efu nke abụọ nke abụọ onye isi ụlọ akwụkwọ. Ịsafe kaadị debit nke nne na nna nwụrụ anwụ, ide akwụkwọ ndenye ego ejiri aha ha, ma ọ bụ ịbanye n'ime ngwa ụlọ akụ ha ka ịnyefe ego n'onwe gị ka akara akara oge na akwụkwọ ọnwụ (ọbụlagodi ịkwụ ụgwọ maka olili ozu ha ma ọ bụ nnyefe) enweghị ikike n'ụzọ iwu ma ọ bụrụ na ị bụ ** onye nwe akaụntụ ọnụ** na akaụntụ ụlọ akụ ahụ akọwapụtara.
2. ** Chekwaa ebe obibi nke onye nwuru anwu ma meghachikwa mkpọchi mpụta ozugbo iji gbochie ịkwakọrọ ihe ala na ụlọ.** Ọ bụrụ na onye ahụ nwụrụ anwụ bi naanị ya, onye ọka iwu ahọpụtara ma ọ bụ ndị ikwu ya nwere ọrụ ntụkwasị obi ozugbo ichekwa ihe onwunwe ụlọ na ohi na mmebi ihu igwe. Weta onye akaebe na-adịghị ele mmadụ anya n'ihu, dekọọ vidiyo ekwentị na-aga n'ihu na-aga n'ihu na-aga n'ihu n'ime ụlọ ọ bụla, kaboodu, ebe a na-adọba ụgbọala na drawer * tupu emetụ otu ihe aka, ma nwee onye na-eji mkpuchi mkpuchi megharịa ọnụ ụzọ mpụta ka igodo mapụtara na-ese n'etiti ndị na-elekọta, ndị agbata obi, ma ọ bụ ndị ikwu na-akpakọrịta anaghịzi arụ ọrụ. (Ịdọ aka ná ntị: Akpọchiela di ma ọ bụ nwunye dị ndụ, obere nwa, ma ọ bụ onye ya na ya bi n'ụlọ nke bi n'ụlọ ugbu a; ime nke a bụ nchụpụ iwu na-akwadoghị; hụ Nchụpụ n'ụzọ iwu na-akwadoghị na mkpọchi onye nwe ụlọ).
3. ** Nye iwu 10 ruo 15 nke akwụkwọ ikike ọnwụ gọọmentị sitere n'aka onye ntụzi olili ozu ozugbo.** Ụlọ akụ ọ bụla, ụlọ ọrụ mkpuchi ndụ, ego ezumike nka, ụlọ ọrụ ụgbọ ala, ndekọ ala, na ụlọ ikpe probate chọrọ akwụkwọ ikike ewelitere-akara mbụ ma ọ bụ nchekwa-watermarked asambodo ọnwụ. Ịtụ akwụkwọ iri na abụọ n'ihu site n'ụlọ olili ozu na-efu dollar ole na ole n'otu ntabi anya ma na-echekwa izu nke nnukwu akwụkwọ ndekọ ụlọ ọrụ na-emecha.
4. EGOLA ọkwa ụlọ akụ na-enyocha naanị onye nwe onye nwụrụ anwụ ruo mgbe ị budata nkwupụta ndị na-adịbeghị anya wee mee atụmatụ ka a ga-esi akwụ ụgwọ ọrụ bara uru na ụgwọ mkpuchi. Ozugbo ụlọ akụ na-anata okwu nke ọnwụ naanị onye ji akaụntụ (ma site na oku ekwentị ma ọ bụ site n'aka gọọmentị ** Social Security Death Master File **), ụlọ akụ ahụ na-ewepụ 100% ego wee jụ ego niile. autopays. Debe okpomọkụ, ọkụ eletrik, na mkpuchi onye nwe ụlọ na-agba ọsọ site n'ịkwụ ụgwọ ndị ahụ ngwa ngwa site na kaadị kredit ezinụlọ nkeonwe ma ọ bụ ịlele akaụntụ (na-echekwa nnata ọ bụla maka nkwụghachi ụgwọ nlekọta nlekọta mbụ ** site na ụlọ).
5. ** Gwa onye na-ebu mkpuchi onye nwe ụlọ na ederede n'ime ụbọchị 15 ruo 30 wee lelee usoro iwu "30/60-Day Vacancy Clause." Amụma mkpuchi nke onye nwe ụlọ na-akpaghị aka maka imebi ihe, mgbaji iko, mmiri mmiri na ọkụ ma ọ bụrụ na ụlọ na-anọdụ ala n'enweghị ihe karịrị ** 30/60 ụbọchị na-enweghị ihe ọ bụla. Nkwado**, ma ọ bụ ọ bụrụ na onye inshọransị aha ya nwụrụ, a naghị agwa onye na-ebu ya ozi tupu emegharia amụma.
6. Hachapụ akụkọ kredit nke onye nwụrụ anwụ wee chekwaa ekwentị ha, SIM kaadị na igbe ozi email ha. Debe ekwentị nke onye nwuru anwu chaja, tinye ya na ọnọdụ ụgbọ elu na Wi-Fi enyere ya aka ma ọ bụrụ na achọrọ ya, yana ** kagbuo ahịrị ekwentị ha**. Nọmba ekwentị mkpanaaka ha na adreesị ozi-e ha bụ igodo njirimara abụọ (2FA) achọrọ iji chọta nkwupụta ụlọ akụ dijitalụ, cryptocurrency, ntinye ụtụ isi, na ọnụ ụzọ ọrụ.

flowchart TD
    A["Ndị ikwu nwụrụ anwụ na-ahapụ ụlọ, akaụntụ ụlọ akụ, na ụgwọ"] --> B["Kwụsị iji Ike nke Attorney ma ọ bụ kaadị debit/kredit nke onye nwụrụ anwụ ozugbo"]
    B --> C{"Onye ahụ nwụrụ anwụ ọ̀ biri naanị ya n’ụlọ a na-enweghị onye bi?"}
    C -->|"Ee: Ụlọ na-enweghị"| D["Jiri ndị akaebe na-edekọ ndekọ vidiyo na-aga n'ihu gaa n'ụlọ, wee tụgharịa igodo mpụta"]
    C -->|"Mba: Nwunye, onye mmekọ, ma ọ bụ onye ya na ya bi na-adị ndụ bi ebe ahụ"| E["Agbanwela mkpọchi ma ọ bụ wepụ onye bi; dekọọ ndekọ vidiyo nke ihe dị iche iche nke onye nwụrụ anwụ site na nkwekọrịta"]
    D --> F["Chekwaa ngwa agha, ndenye ọgwụ, ego, ọla, na Will Original n'ime njide ọkụ"]
    E --> F
    F --> G{"Akaụntụ ụlọ akụ bụ Joint/POD ma ọ bụ naanị aha-aha?"}
    G -->|"Njikọ ya na Survivorship ma ọ bụ Akwụ ụgwọ-na-Ọnwụ (POD)"| H["Nweta ego ozugbo na ụlọ akụ nwere Asambodo Ọnwụ Asambodo + NJ gọọmentị (na-agafe probate)"]
    G -->|"Naanị aha-naanị (Frochie ruo mgbe ụlọ ikpe nyere iwu)"| I{"Ọ bụ mkpokọta Probate Estate n'okpuru Obere ala ala steeti (dịka, $50k ruo $184k)?"}
    I -->|"Ee: Obere ala"| J["Chere ụbọchị 30 ruo 45 n'usoro iwu ma weta nkwenye obere ụlọ notary na ụlọ akụ"]
    I -->|"Mba: Ego zuru oke ma ọ bụ nsogbu ụlọ"| K{"Enwere nsogbu ngwa ngwa (mgbanarị, ụgwọ ọrụ azụmaahịa, onye na-akpa ego, akụ na-emebi emebi)?"}
    K -->|"Ee"| L["Arịrịọ Probate Court maka Ex Parte Special Administrator / Akwụkwọ ozi mbido n'ime awa 24 ruo 72"]
    K -->|"Mba"| M["Tinye akwụkwọ anamachọihe maka probate iji nweta akwụkwọ ozi Testamentary / Akwụkwọ ozi nchịkwa"]

Ọnyà 1: Gịnị kpatara “Ịbụ onye mmebe iwu” na-enye gị ikike iwu efu ruo mgbe onye ọka ikpe bịanyere aka na leta¶

Otu n'ime echiche na-ezighị ezi kachasị dị ize ndụ na ihe mberede ụlọ bụ ikwere na ijide aka nne na nna bịanyere aka na ya, notarized Last Will and Testament nke na-ekwu "A na m ahọpụta nwa m nwanyị Sarah dị ka onye ikpe" pụtara Sarah bụ onye na-ekpe ikpe n'ụbọchị na-esote olili ozu.

** N'okpuru iwu nke steeti US ọ bụla, mpaghara Canada na steeti Ọstrelia, Will bụ naanị nhọpụta.** Ruo mgbe a ga-etinye akwụkwọ ikike mbụ n'ụlọ ikpe Probate (Surrogate's Court / Orphans' Court) na onye ọka ikpe ma ọ bụ onye na-edeba aha na-enye akwụkwọ ikike ụlọikpe nwere akara a na-akpọ ** Akwụkwọ Ozi Testamentary *** (ma ọ bụ ** Akwụkwọ ozi nke nchịkwa, ma ọ bụ na enweghị ikike nke Probate). UK/Canada/Australia, n'agbanyeghị na iwu UK nwere ozizi dị warara nke "mmekọrịta azụ" maka ndị mmebe): * Ụlọ akụ ga-ajụ *** ikwe ka ị metụ akaụntụ naanị aha ma ọ bụ gwa gị nguzozi. * Ị ** enweghị ike ịbịanye aka n'akwụkwọ, ree ụgbọ ala onye ahụ nwụrụ anwụ, ma ọ bụ chụpụ onye mebiri emebi. * Ọ bụrụ na ị na-ekesa arịa ụlọ, ụgbọ ala, ma ọ bụ ego nye ndị òtù ezinụlọ tupu ị kwụọ ndị na-akwụ ụgwọ mbụ, ụgwọ olili ozu, mgbake ụlọ Medicaid, na ụtụ isi, ị ga-abụ ** n'onwe gị ga-akwụ ụgwọ site n'akpa gị ** (nke a maara dị ka ụgwọ dị ka executor de son tort, ma ọ bụ "onye na-eme ihe ike").

Ihe a họpụtara Executor bụ n'ụzọ iwu kwadoro (na atụ anya) ime tupu nhọpụta Ụlọikpe¶

Ihe fọrọ nke nta ka ọ bụrụ koodu probate ikike nke ọ bụla (dịka ọmụmaatụ, ** Uniform Probate Code (UPC) Nkebi nke 3-701 **, nke na-ekwu na *"Tupu nhọpụta, onye aha ya bụ onye ọrụ ikike nwere ike mezuo ntuziaka ederede nke onye ahụ metụtara ahụ ya, olili ozu na nhazi olili ya, ma nwee ike ichebe ma chekwaa ikike nke onye ọrụ" ** Ikike *** tupu nhọpụta ụlọ ikpe: 1. Ị nwere ike ime nhazi olili ozu, ozu ozu, ma ọ bụ olili ozu dịka iwu gbasara iwu ndị ikwu gị. 2. Ị nwere ike ** chekwaa n'ụzọ anụ ahụ ma kpochie ụlọ nke onye nwụrụ anwụ, gbanwee mkpọchi iji gbochie izu ohi site n'aka ndị na-abụghị ndị bi na ya, banye na windo gbajiri agbaji, ma kwụọ ụgwọ mkpuchi ihe onwunwe ngwa ngwa ma ọ bụ ụgwọ ọrụ n'akpa (na ikike nke mbụ ga-ebu ụzọ kwụọ ụgwọ site na ala na ụlọ tupu onye ọ bụla na-akwụ ụgwọ kaadị akwụmụgwọ ma ọ bụ onye nketa na-enwetaghị). 3. Ị nwere ike ijide nwa oge ** nchekwa nchekwa ** nke ego efu, ọla dị oke ọnụ ahịa, asambodo ngwaahịa, igodo ụgbọ ala, na ngwa agha (na-echekwa ha na-emetụghị aka n'ime nchekwa ekpochi ma ọ bụ igbe akụ nke nwere aha ndebanye aha, nke akaebe) ka a ghara izu ohi ha mgbe ha na-eche Akwụkwọ edemede.

Ntụnyere zuru ụwa ọnụ: ikike nyocha ihe mberede, ụzọ mkpirisi ụlọ na obere ụlọ akụ¶

Ndepụta nchekwa anụ ahụ nke nzọụkwụ site na nzọụkwụ maka ụlọ onye nwụrụ anwụ¶

Mgbe onye bi nanị ya nwụrụ n'ụlọ ma ọ bụ n'ụlọ ọgwụ, ụlọ ha na-aghọ ebe a na-achọsi ike n'ime awa ole na ole. Ọ bụghị naanị na ndị ikwu ma ọ bụ ndị enyi na-adịghị akwụwa aka ọtọ nwere mkpịsị ugodi ochie na-agba ọsọ iji "nara ihe mama m kwere m nkwa," mana ndị ohi ọrụ na-enyocha ụlọ olili ozu n'ịntanetị iji chọpụta kpọmkwem adreesị nke ụlọ tọgbọrọ chakoo na windo awa 2 kpọmkwem mgbe ezinụlọ dum ga-anọ na chọọchị ma ọ bụ ebe a na-eli ozu.

Mezue usoro nchekwa anụ ahụ nke mbụ-48 nke mbụ ***:

1. Onye mmadụ abụọ na-aga n'ihu vidiyo na-aga n'ihu (tupu imetụ ihe ọ bụla aka)¶

Tupu ịmepee otu drawer ma ọ bụ bugharịa otu ọla: * Banye n'ụlọ na ** opekata mpe otu onye akaebe na-anọpụ iche ma ọ bụ onye otu ezinụlọ ***. * Gbanwuo igwefoto vidiyo ama ama gị, kwupụta ụbọchị na oge n'olu dara ụda, wee mee ihe nkiri ** na-aga n'ihu na-aga n'ihu na-emepeghị emepe ** nke ime ụlọ ọ bụla, mgbidi, kaboodu, igbe ọla, igbe ebe a na-adọba ụgbọala, nchekwa egbe na ụgbọ okporo ụzọ. * Gịnị kpatara? N'ihe fọrọ nke nta ka ọ bụrụ n'esemokwu ọ bụla a na-ese okwu, nwanne nwanne iwe mechara boro onye omeiwu ahụ ebubo izu ohi *"Papa $15,000 Rolex na ego $10,000 ọ debere n'ọdụ abalị."

2. Re-igodo Mkpọchi Mpụga na mgbe ọ bụ iwu megidere iwu na-akwadoghị¶

• Mgbe Onye Nwụrụ Anwụ bi naanị ya (100% Home enweghị mmadụ): Nwee onye na-agbachi agbachi **re-key bolts niile dị na mpụga, gbanwee koodu igodo ebe ndọba ụgbọala, ma kagbuo ịnweta ngwa mkpọchi smart ** ozugbo. Debe akwụkwọ nnata onye mgbachi maka nkwụghachi ụlọ. Ọ bụrụ na ụmụnne na-achọ igodo ka ha wee na-agagharị n'ụlọ ahụ n'amaghị ọkwa, jiri nkwanye ùgwù jụ ide ihe: kọwaa na dị ka onye a họpụtara ahọpụta (ma ọ bụ onye nlekọta na-echekwa ihe onwunwe), iwu na iwu mkpuchi nke onye nwe ụlọ chọrọ ka ị debe ụlọ ahụ, nakwa na a ga-akpọ ndị nketa niile maka nhazi atụmatụ, na-elekọta ngwa ahịa na-aga n'ihu na-ejikọta ọnụ.
• ** Mgbe Di na Nwunye, Onye Mmekọ, Nwatakịrị, ma ọ bụ Onye ya na ya bi na-ebi n'ụlọ: ** ** Agbanwela Mkpọchi.** Ọ bụrụgodị na onye ahụ nwụrụ anwụ nwere pasentị 100 nke ụlọ ahụ n'aha naanị ya na uche ha hapụrụ ụlọ ahụ nye onye ọzọ, onye ọ bụla nke bi n'ụzọ iwu kwadoro n'ụlọ n'ụbọchị ọnwụ bụ onye na-ebi ndụ ma ọ bụ na-ebi ndụ n'ọtụtụ steeti.** Nwatakịrị nwere usoro iwu ma ọ bụ iwu zuru oke **Probate Homestead / ikike nke kwarantaini / Nkwado afọ obibi ikike ịnọ n'ụlọ di na nwunye na-akwụghị ụgwọ ọnwa ma ọ bụ ndụ niile). Ikpọchi onye bi ugbu a na-enweghị akwụkwọ iwu ịchụpụ ụlọ ikpe bụ mpụ na ntaramahụhụ obodo. Kama nke ahụ, gwa onye bi na ya ka o soro gị gaa na ndepụta vidiyo nke ọmụmụ ihe nchekwa na iche nke onye nwụrụ anwụ.

3. Ichekwa ihe ndị dị ize ndụ ozugbo (ngwa, ọgwụ ọjọọ, ego nkịtị, na ikike izizi)¶

N'oge mmegharị mbụ gị, chọta ma chekwaa ụdị ihe anọ akọwapụtara: 1. ** The Original, Ink-Signed Last Will and Testament:** Ụlọ ikpe probate chọrọ ** anụ ahụ, akwụkwọ mbụ Will ** (ọ bụrụ na onye ahụ nwụrụ anwụ debere Will mbụ n'ụlọ ha ma enweghị ike ịchọta ya mgbe ha nwụsịrị, ụlọikpe na-etinye echiche dị ize ndụ nke iwu na onye ahụ nwụrụ anwụ * dọwara ya kagbuo ya). ** Ịdọ aka ná ntị: ewepụla staples na akwụkwọ ikike mbụ iji wepụta ma ọ bụ nyochaa ya.** Iwepụ staples na Will ga-eme ka enyo enyo na-akpaghị aka na-enyo enyo na ewepụrụ ibe akwụkwọ, na-amanye gị ịchọta ndị akaebe mbụ ịbanye "Affidavits of Unstapling." Tinye akwụkwọ ikike mbụ ahụ n'ime uwe rọba ma tinye ya n'aka onye odeakwụkwọ ụlọ ikpe Probate n'ime oge njedebe nke iwu (ọ na-abụkarị 10 ruo ụbọchị 30 ** mgbe ị mụtachara ọnwụ). 2. ** Nhazi nke II-V ọgwụ ndenye ọgwụ (Opioids, Fentanyl Patches, Benzodiazepines): Mgbe ụlọ ọgwụ ma ọ bụ onye na-arịa ọrịa na-adịghị ala ala nwụrụ, ebe nchekwa abalị ha na-ejupụtakarị na mmiri mmiri morphine, oxycodone, na fentanyl patches. Ịhapụ ihe ndị a na-achịkwa n'ime ụlọ efu na-akpọ ohi na ịṅụbiga mmanya ókè. Ndepụta ngwaahịa ma tụfuo ha ozugbo na kiosk ụlọ ahịa ọgwụ nyere ikike ma ọ bụ iji usoro mkpofu FDA. 3. ** Ngwa ngwa (ọkachasị NFA Mbụ II Ihe edebere): *** Bupu ma kpochie ngwa agha niile n'ime nchekwa egbe, wee debanye aha Mere, Model, Caliber, na Serial Number na mpempe akwụkwọ ndebanye aha gị. * ** Ịdọ aka ná ntị gbasara mpụ nke Federal Critical (United States):** Lelee ma onye ahụ nwụrụ anwụ nwere ihe ọ bụla ** National Firearms Act (NFA) Isi II ihe** (dịka ** ndị na-agbachi nkịtị / ndị na-egbochi ya, egbe mkpirisi, egbe mkpirisi, ma ọ bụ egbe igwe edebanyere aha**). N'okpuru iwu gọọmenti etiti (26 U.S.C. Sec. 5812), ọ bụ ** afọ 10 mpụ gọọmenti etiti ** maka enyi ma ọ bụ onye na-abụghị onye ikwu iwere ihe NFA edebanyeghị aha ma ọ bụ ihe NFA edebanye aha naanị onye ahụ nwụrụ anwụ. Naanị onye mmebe a họpụtara n'ụzọ iwu kwadoro (ma mgbe ọ na-echere, nchekwa ekpochi ekpochi n'ụlọ) nwere ike ijide ihe NFA mgbe ị na-ede akwụkwọ ** ATF Fọm 5 (Ngwa maka Nfefe na-enweghị ụtụ isi na ndebanye aha nke ngwa agha na onye nketa ziri ezi). 4. ** Igbe nkwụnye ego echekwara na ụlọ akụ: Ọ bụrụ na ịchọta igodo nke igbe nkwụnye ego nke ụlọ akụ ejidere naanị n'aha onye nwụrụ anwụ, ** anwala ịzọba n'ime ụlọ akụ Vault na-eme ka onye ahụ ka dị ndụ** (a na-edobe akwụkwọ nbanye ụlọ akụ ma jiri ya tụnyere akwụkwọ ikike ọnwụ). Ihe fọrọ nke nta ka ọ bụrụ steeti US ọ bụla (dịka ọmụmaatụ, California Prob. Code Sec. 331, New York SCPA Sec. 2003, Florida Stat. Sec. 655.935, Texas Estates Code Sec. 151.001) nwere kpọmkwem ** Igbe nchekwa nchekwa nchekwa akwụkwọ nke ga-eme ka onye òtù ezinụlọ nwee ike imeghe igbe na igbe nke ga-emepe usoro nke onye òtù ezinụlọ nwere. ** n'okpuru nlekọta nke onye ọrụ ụlọ akụ *** iji nlezianya nyochaa ma wepụ ** Ikwe mbụ, akwụkwọ ikike olili ozu, na amụma mkpuchi ndụ *** tupu emeghe probate.

Ịlanahụ "Estate Cash Freeze": otu esi akwụ ụgwọ olili ozu, nnyefe, na akụrụngwa mgbe akpọchiri akaụntụ.¶

Mgbe naanị otu akaụntụ akụ kwụsịrị n'ọnwụ, kedu ka ị ga-esi kwụọ ụgwọ ụlọ olili ozu $ 8,000, nnyefe ego kwa ọnwa, na ụgwọ okpomọkụ oyi mgbe ị na-eche izu 6 ruo 12 maka Ụlọikpe Probate inye akwụkwọ ozi?

Ụzọ 5 iji kpọghee ego ozugbo na-echeghị Probate zuru ezu¶

1. ** Paymentkwụ ụgwọ ụlọ akụ ozugbo maka ụgwọ olili ozu:** Were ** Asambodo Ọnwụ nke izizi** na akwụkwọ ọnụahịa ụlọ olili ozu juru** ozugbo nye onye njikwa ngalaba n'ụlọ akụ onye ahụ nwụrụ anwụ. Na UK, Canada, Australia na n'ofe ọtụtụ nnukwu ụlọ akụ US (n'okpuru iwu ụlọ akụ steeti), ụlọ akụ ahụ ga-ebipụ ndenye ego onye na-akwụ ụgwọ ** nke a ga-akwụ ya ozugbo na ụlọ olili ozu ** site na nlele ma ọ bụ akaụntụ nchekwa nke onye nwụrụ anwụ jụrụ oyi * tupu etinye akwụkwọ ikike ọ bụla.
2. ** Payable-on-Death (POD), Nyefee-na-Ọnwụ (TOD), na Njikọ Akaụntụ Bypass Probate kpam kpam:** Jụọ onye ọrụ ụlọ akụ (ma ọ bụ lelee nkwupụta akwụkwọ) ma nlele, nchekwa ego, CD, ma ọ bụ ụlọ ahịa nke onye ahụ nwụrụ anwụ nwere ** Onye nwe ya na ikike nke ịlanahụ (JTWROS) /Pay) In-Trust-For (ITF) erite uru**.
3. ** POD na Akaụntụ Njikọ bụ akụ na-abụghị nke probate.** Ha anaghị echere Will ma ọ bụ Ụlọikpe Probate. Onye na-erite uru ma ọ bụ onye nwe ya dị ndụ na-abanye n'ụlọ akụ naanị yana ** otu asambodo ọnwụ na akwụkwọ ikike ịnya ụgbọ ala ha ***, ụlọ akụ na-ewepụta ** 100 pasent nke ego ahụ n'otu izu ahụ.
4. ** Uru ọnwụ mkpuchi ndụ (akwụ ụgwọ na ụbọchị 7 ruo 14):** Amụma mkpuchi ndụ nwere onye ga-erite uru aha ya (anaghị akwụ ụgwọ maka "My Estate") kpamkpam na-agafe probate na kaadị kredit nke onye nwụrụ anwụ ma ọ bụ ndị na-akwụ ụgwọ ahụike enweghị ike ijide ya. Jiri akwụkwọ Asambodo Ọnwụ akwadoro depụta nkwupụta ahụ n'ịntanetị; Ndị insurers na-akwụkarị ụgwọ akwụ ụgwọ na-akwụghị ụtụ n'ime ụbọchị 7 ruo 14 azụmahịa ***.
5. ** Ịkwalite Nchekwa ụlọ ngwa ngwa na-akwụ onwe gị ụgwọ (nkwụghachi ụgwọ mbụ nke mbụ):** Ọ bụrụ na ị kwụọ ụgwọ olili ozu, onye mkpuchi ụlọ, mkpuchi onye nwe ụlọ, ma ọ bụ ụgwọ ọrụ ngwa ngwa n'akpa gị iji gbochie mfu ụlọ, ** debe akwụkwọ nnata ọ bụla ma kwụọ ụgwọ site na nlele ma ọ bụ kaadị kredit (ọ dịghị ego ọ bụla)**. N'okpuru ụkpụrụ probate mkpa na steeti ọ bụla (dịka ọmụmaatụ, ** Uniform Probate Code Nkebi nke 3-805 **), ** Ọnụ nchịkwa (nke gụnyere ichekwa ihe onwunwe) na mmefu olili ozu ezi uche dị na ya na-anọdụ ala n'elu pyramid onye na-akwụ ụgwọ iwu (Klas 1 na 2), n'ihu kaadị kredit, ụgwọ ahụike na ụgwọ ahụike. Ị ga-akwụghachi 100 cents na dollar n'elu ụlọ ahụ ozugbo akaụntụ ụlọ akụ mepere emepe, nkwụghachi ahụ abụghịkwa ego a ga-atụ ụtụ isi nye gị.
6. ** Ichekwa nnyefe n'okpuru iwu Federal Garn-St Germain & Iwu onye ga-anọchi CFPB:**
7. Atụla egwu na ịgwa ụlọ ọrụ nnyefe maka ọnwụ nne ma ọ bụ nna ma ọ bụ di ma ọ bụ nwunye ga-eme ka ụlọ akụ ahụ rịọ nkwụghachi ụgwọ ozugbo nke ego mgbazinye $250,000. N'okpuru gọọmenti etiti ** Garn-St Germain Depository Institutions Act of 1982 (12 U.S.C. Sec. 1701j-3(d))**, ndị na-agbazinye ego na-amachibidoro iwu gọọmenti etiti ka ha ghara igosipụta "n'ihi na ire ere" ngwa ngwa, nkeji 1 na-ebufe site na ụlọ obibi (1 escent) ma ọ bụ ihe eji arụ ọrụ. nke iwu na ọnwụ nke onye na-agbazinye ego, ma ọ bụ nyefee ya na ** ndị ikwu sitere na ọnwụ nke onye gbaziri agbaziri.
8. N'okpuru ** Consumer Financial Protection Bureau (CFPB) Regulation X (12 C.F.R. Sec. 1024.30 / Succesor in Interest Rules), ọbụlagodi tupu emechaa probate nkịtị, ị nwere ike izipu onye na-ahụ maka ịgbazinye ego ederede ** Ọmụma nke Ọnwụ na onye ga-anọchi anya arịrịọ nke mmasị akwụkwọ ma ọ bụ detuo akwụkwọ ahụ Asambodo na-egosi ihe nketa). Site n'iwu gọọmenti etiti, ụlọ ọrụ ịgbazinye ego ** ga-akwadorịrị ọkwa gị ma nye gị ohere ịlele nguzozi mbinye ego, kwụọ ụgwọ kwa ọnwa iji gbochie ụgwọ n'oge, ma ọ bụ tinye akwụkwọ maka mbelata-mbelata / ntachi obi *** na-amanye gị refinance na ọmụrụ nwa dị elu taa.

Otu esi enweta ikike ụlọ ikpe nke awa 48 mberede: Arịrịọ maka "Onye nchịkwa Pụrụ Iche" ma ọ bụ "Akwụkwọ Ozi Mbụ"¶

Kedu ihe ma ọ bụrụ na ịnweghị ike ichere ụbọchị 60 maka probate nkịtị n'ihi na: * A na-ahazi ụlọ onye ahụ nwụrụ anwụ maka ** mgbagha ma ọ bụ ịre ụtụ isi ** n'izu na-abịa; * Onye na-akparị mmadụ ma ọ bụ onye ikwu na-akparị mmadụ na-enweghị ikike abanyela n'ụlọ onye ahụ nwụrụ anwụ wee ree ihe niile dị n'ime na Facebook Market; * Onye ahụ nwụrụ anwụ nwere ụlọ ọrụ ** naanị-azụ ahịa ** (dị ka ụlọ ọrụ ahụike, ụlọ oriri na ọ restaurantụ ,ụ, ma ọ bụ ụlọ ọrụ na-ebu ụgbọ ala) ya na ndị ọrụ ha ga-akwụ ụgwọ na Fraịde; ma ọ bụ * Onye ahụ nwụrụ anwụ nwụrụ n'etiti imechi nkwekọrịta ire ụlọ ha, onye zụrụ ya ga-apụ ma ọ bụrụ na ọ nweghị onye nwere ike ịbịanye aka n'akwụkwọ mmechi ahụ?

Ngwọta Iwu: Ex Parte Arịrịọ maka nchịkwa pụrụ iche¶

Usoro ụlọikpe probate ọ bụla nwere usoro ** usoro ngwa ngwa ngwa ngwa *** nke na-agafe akwụkwọ akụkọ ụbọchị 30 ruo 60 nkịtị na oge nchere onye nketa: * N'ọtụtụ steeti US (dịka ọmụmaatụ, California Prob. Code Sec. 8540, Uniform Probate Code Sec. 3-614, Nevada, Arizona, Illinois, Florida, Texas Temporary Administration): Nyefee akwụkwọ arịrịọ ** Ex Parte arịrịọ maka nhọpụta nke onye nchịkwa pụrụiche** (ya na nkwupụta nkwado nke mmerụ ahụ na-enweghị mgbagha ozugbo). Onye ọka ikpe probate nwere ike nyochaa arịrịọ ahụ n'ime ụlọ n'ime awa 24 ruo 72 *** wee wepụta ** Akwụkwọ ozi nke nchịkwa pụrụ iche ***, na-enye gị ike n'otu ehihie ahụ ka ị kwụsịtụ akaụntụ, bịanye aka n'akwụkwọ ndenye ego, mee azụmahịa, ma ọ bụ tinye akwụkwọ nchụpụ / mmachibido iwu. * Na New York (SCPA sec. 1412): Mgbe ị na-ede akwụkwọ ikike maka probate, n'otu oge tinye akwụkwọ anamachọihe maka ** Preliminary Letters Testamentary **, nke na-enye onye ọka iwu ahọpụtara ikike ịnakọta akụ, jikwaa ezigbo ụlọ, na ịkwụ ụgwọ ụgwọ mgbe onye ọrụ ga-agba akwụkwọ ma ọ bụ asọmpi ezinụlọ ọ bụla na-apụta. * ** Na United Kingdom, Canada, na Australia: *** Tinye akwụkwọ na Probate Registry ma ọ bụ Ụlọikpe Kasị Elu maka ngwa ngwa ** Nyefee * Ad Colligenda Bona *** ("iji nakọta na chekwaa ngwongwo"), nke na-enye onye nchịkwa oge ikike ịbanye ozugbo iji mechaa ire ihe onwunwe, chekwaa akụ na-emebi emebi, ma ọ bụ chebe azụmahịa.

Ịkwụsị mmaja ndị onye ji ụgwọ na izu ohi njirimara mgbe ọnwụ nwụrụ¶

N'ime izu nke ọnwụ, ndị na-anakọta ụgwọ nke ndị ọkachamara "ụlọ ọrụ nchịkọta akaụntụ nwụrụ anwụ" (dị ka Ọrụ DCM ma ọ bụ Ọrụ Ozi Estate) na-amalite ịkpọ di na nwunye na-eru uju na ụmụaka toro eto. Ndị na-anakọta ndị a na-eji nlezianya nke mmụọ nsọ dee, * "Nne gị ọ́ gaghị achọ ka a sọpụrụ ọrụ ya ka aha ya wee doo anya?"*, iji ghọgbuo ndị ezinụlọ ka ha jiri kaadị debit nke onye ahụ nwụrụ anwụ ma ọ bụ ego mkpuchi ndụ kwụọ ụgwọ kaadị kredit nke onye nwụrụ anwụ ma ọ bụ ụgwọ ahụike.

Iwu Ọlaedo nke Ụgwọ Onye Nwụrụ Anwụ: Ndị ikwu anaghị akwụ ụgwọ n'onwe ya¶

• ** Otu esi arụ ọrụ ụlọ: *** A na-akwụ ụgwọ ndị ejighị n'aka (kaadị kredit, mbinye ego nkeonwe, ụgwọ ahụike) * naanị * n'ime ihe ndị fọdụrụ na probate ala * mgbe * mmefu olili ozu, ụgwọ ụlọikpe/ikpe, ụgwọ ezinụlọ, na ụtụ isi na-akwụ. Ọ bụrụ na onye ahụ nwụrụ anwụ nwụrụ na $ 3,000 na akaụntụ nlele na $ 45,000 na ụgwọ kaadị kredit (yana amụma mkpuchi ndụ $ 250,000 ga-akwụ ụmụ ha), $ 3,000 na-aga ụgwọ olili ozu, ụmụaka na-edebe 100% nke $ 250,000 ndụ ndụ na-akwụghị ụgwọ, yana kaadị akwụ ụgwọ akwụ ụgwọ $ 45. gbanyụọ dị ka enweghị ike ịnakọta ***.
• ** N'okpuru Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. Sec. 1692c):** A na-ahapụ ndị na-anakọta ụgwọ ka ha na ** di ma ọ bụ nwunye dị ndụ, nne na nna (ma ọ bụrụ na ọ dị obere), onye omeiwu, ma ọ bụ onye nchịkwa, machibido iwu ezinụlọ ka ha kwụọ ndị òtù ezinụlọ iwu n'ụzọ doro anya ka ha ghara ịkwụ ụgwọ ndị òtù ezinụlọ. ụgwọ ahụ sitere na ego nke aka ha **.

Mkpọchi ohi njirimara mgbe ọnwụ nwụrụ (Mgbochi "Ghosting")¶

Ndị na-ezu ohi njirimara na-ewekọ akwụkwọ akụkọ na ndekọ usoro ọmụmụ iji tinye akwụkwọ maka kaadị kredit na nkwụghachi ụtụ n'aha onye nwụrụ anwụ tupu ụlọ ọrụ kredit emelite faịlụ ha. 1. Zipu akwụkwọ asambodo ọnwụ akwadoro site na ozi ezigara na ụlọ ọrụ kredit atọ niile (Equifax, Experian, na TransUnion) yana arịrịọ edere n'okpuru ebe a ka itinye akara ozugbo "Ọnwụ anwụ: enyela kredit" ọkọlọtọ na faịlụ kredit. 2. E tinyela ụbọchị ọmụmụ* nke onye nwuru anwu, aha nwa agbọghọ, aha nwa agbọghọ, ma ọ bụ adreesị ụlọ obibi** n'akwụkwọ akụkọ ọha ma ọ bụ akwụkwọ akụkọ ịntanetị.

Template: Ọnwụ nye ndị kredit, ndị na-enye ọrụ, na ụlọ ọrụ kredit¶

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

Ajụjụ a na-ajụkarị¶

Ntuziaka emetụtara¶

• Nchụpụ n'ụzọ iwu na-akwadoghị na mkpọchi onye nwe ụlọ
• Ụlọ ikpe nta na-ekwu, akwụkwọ ozi na-achọ, na ikpe ndabara
• Enyere ya na ikpe obodo: nzaghachi mberede
• Mkpọchi na mgbake akaụntụ Apple ID, Google ma ọ bụ Microsoft gburugburu
• Mkpọchi njikwa okwuntughe, mfu paswọọdụ nna ukwu, yana mgbake vault
• Nzaghachi mberede izu ohi njirimara
• Nọmba mberede zuru ụwa ọnụ

enyochara isi mmalite¶

• Uniform Iwu Commission (United States): Uniform Probate Code (UPC) Nkeji 3-614 ruo 3-618 (Nchịkwa Onye Nlekọta Ọpụrụiche Mberede), Nkebi nke 3-701 (Oge Nkwalite Ọrụ & Ike Nchekwa Oge tupu oge ọkwa), Nkebi 3-805, Nkebi 3-805 (Nhazi nke 1) na ọkwa 1. (Nchịkọta ihe onwunwe nkeonwe site na nkwenye obere ụlọ).
• Federal Garn-St Germain Depository Institutions Act of 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 Duathle Duathle Ikike mmasị.
• Federal Trade Commission (FTC) (United States): Amụma amụma gbasara ụkpụrụ omume gbasara nnakọta ụgwọ (FDCPA) na ụgwọ dị mma (76 Fed. Reg. 44915) na ịkwụsị izu ohi njirimara mgbe ọnwụ nwụrụ.
• Ụlọọrụ mmanya na-aba n'anya, ụtaba, ngwa agha na ihe mgbawa (ATF) (United States): Akwụkwọ ntuziaka nke National Firearms (NFA) Isi 9.5 & ATF Ụdị 5 (Nfefe nke ngwa NFA edebanyere aha na onye nketa iwu kwadoro ụtụ isi).
• Uniform Iwu Commission (United States): Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA) maka Executor Access Cloud and Email Accounts.
• HM Courts & Tribunals Service (HMCTS) & GOV.UK (United Kingdom): Iwu nchịkwa nke ala 1925, Grant Ad Colligenda Bona Ngwa mberede, gwa anyị otu oge ọrụ, yana atụmatụ ịkwụ ụgwọ ozugbo maka olili ozu na ụgwọ ụtụ isi ihe nketa.
• Iwu Ụlọ Ahịa Ontario & Ozi nke Attorney General (Canada): Usoro Asambodo Ụlọ Obere (n'okpuru CAD $150,000) na Ọrụ Nchekwa Ụlọ Ahịa.