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Acknowledgment of Disclosures and Authorization
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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My husband borrowed $25K against his mother's estate upon her death, to help his son with a loan. As his wife and survivor, am I required to pay back the debt to his mother's estate upon his death?
This doesn't make sense to me. An estate does not have the power to lend money. Once a person dies, the estate is distributed according to the terms of the will, or if there is none, according to state intestate laws. Was it the husband who actually borrowed the money? Who lent it to him? The executor of the estate? Who is that? This does not seem kosher in general but maybe you have more info that can clarify. I think married couples are jointly liable for any debts one or the other incurs, either way.
Another question that I have is are there other beneficiaries who would share in the estate? If your husband is the only beneficiary, then to me it's a moot point. But if there are other beneficiaries to the estate, then logic tells me someone has to pay back the loan. Isn't the son making payments, which should go back to the estate?
I'm not totally sure of the sequence of events, but if your husband borrowed money from his mother before she died, and then he died before her, his estate would still owe the money to his mother. It would be a debt of HIS estate, owing to his mother. If that debt were not paid off before his mother later died, that debt would not be discharge but would now pass to his mother's estate. Thus, the executor of his mother's estate would be under an obligation to try to seek repayment of that outstanding debt so the executor can distribute it to his mother's heirs (or beneficiaries under her will, as the case may be).
He borrowed money from his mother's "estate" - does this mean he took out an "advance" on his own inheritance? Was he even left an inheritance once his mother died? What does the executor of her estate say about any of this?
Both my mother and MIL are vey generous. We have borrowed from both, as have a lot of people. I would not think of pocketing the cash, without straightening it out with the other relatives.
K Gabriel, answered your question, if mother died before your husband, then the executor of her estate seeks amount. If husband died before mother then executor for husband repays mother's estate.
It appears that this question begs for more information. The way that I understand it, your mother-in-law died, and your husband borrowed money from his mother's estate. From that, I would assume that he was the executor of her estate or had permission to borrow money from the executor. Since it was borrowed, I would assume that repayment would be required. It apparently was not money that he inherited, but rather that he borrowed. It would seem to me that borrowed money is only a loan and must be repaid.
jkrout: Give exact date of death of your husband and date of death of his mother to the estate attorney. Does your name appear, either on the loan app or on the final docs of the loan agreement? If not, you personally are not responsible for payback of any monies coming from his mother's estate. Attorneys for her estate will try to seek remedy of course, but you do not have to pay . Check docs, if you have them.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Are we required to? No.