There is no Personal Representative named. He passed 1/2/12.. I failed to file and Publish a "Notice to Creditors" nor give written notice to any known creditor, which would be the mortgage company. I am not on the loan or house title. I read an article on your site stating, failure to do so within limited time period, creditors debt will be barred, and the creditors will have no right to recover. I am not on the loan or house title. I have not sent death certificate to human services. Wells Forgo Is trying to push me into probate to appoint an executor which I refuse to do. He died Interstate, I am the heir, everything falls automatically by Oregon State Law. Does it not? .
Ethics / Professional Responsibility Lawyer
As sole heir, you have a right to the house, but subject to the debt to the bank. The mortgage attaches to the house, and that is a lien that won't go away. You don't own the house until you go to probate. You are delaying foreclosure of the house by not going to probate but it can't be delayed forever. You should consult with a probate lawyer to consider whether to file for probate, transfer the ownership of the house and then deal with the bank. The alternative is that eventually the bank will foreclose and take the house.
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4 lawyers agree
Estate Planning Attorney
Everything goes to you through the probate system.
So if you want the house in your name and the power to deal with the bank-
you need to meet with a probate attorney.
The answer given does not imply that an attorney-client relationship has been established and your best course of action is to have legal representation in this matter.
3 lawyers agree
Family Law Attorney
You cannot obtain title to the house until after the probate process has been completed. Your husband stilll owns the house. The house is not automatically yours because he died. Also, if there are any other assets just in his name, you cannot inherit them without a probate. Check out my "legal guides" about probate. They can be found on my profile page of this website. Good luck.
Be sure to designate "best answer." If you live in Oregon, you may call me for more detailed advice, 503-650-9662. Please be aware that each answer on this website is based upon the facts, or lack thereof, provided in the question. To be sure you get complete and comprehensive answers, based upon the totality of your situation, contact a local attorney who specializes in the area of law that involves your legal problem. Diane L. Gruber has been practicing law in Oregon for 26 years, specializing in family law, bankruptcy, estate planning and probate. Note: Diane L. Gruber does not represent you until a written fee agreement has been signed by you and Diane L. Gruber, and the fee listed in the agreement has been paid.
5 lawyers agree
I agree with my colleagues. I would just add a couple of points. With respect to the notice to creditors, this does not need to be provided to secured creditors like the mortgage company. They have a lien on the property and if you fail to pay, they will simply foreclose.
Probate is necessary, regardless of the mortgage, because you are not on the title of the home. You cannot legally do anything with the house. There is a better than even chance that you cannot even insure the house, because you are not an owner, so you do not have an insurable interest. If you have not notified the insurance company of your husband's death, they will likely deny any claims that you have. For this reason alone, you should probate the property and get it titled in your name alone.
Under Federal law, the mortgage company cannot force you to refinance and they cannot accelerate the debt, as long as you keep the payments current.
Lastly, whether you are the only heir depends on whether your husband had any children or not. In some states, in the absence of children, his surviving parents might also have an interest. You should meet with a probate attorney to determine how best to proceed.
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2 lawyers agree