What happens if an estate check keeps getting misdelivered—will it be reissued or canceled? – NC

What happens if an estate check keeps getting misdelivered—will it be reissued or canceled? – North Carolina Short Answer Under North Carolina probate law, if an estate distribution check is misdelivered or never reaches the intended heir, the personal representative should protect the estate by stopping payment on the original check and either reissuing it…

Will a pending death certificate delay transferring the car or handling necessary accounts, and what can I do in the meantime? – NC

Will a pending death certificate delay transferring the car or handling necessary accounts, and what can I do in the meantime? – North Carolina Short Answer In North Carolina, many immediate tasks can move forward while a certified death certificate is pending, but some transfers will wait on that document. The clerk of superior court…

Do beneficiary accounts like a 401(k) and life insurance avoid probate entirely, or can estate debts still reach them? – NC

Do beneficiary accounts like a 401(k) and life insurance avoid probate entirely, or can estate debts still reach them? – North Carolina Short Answer In North Carolina, most beneficiary-designated assets—such as 401(k)s, IRAs, payable-on-death accounts, and life insurance—pass directly to the named beneficiaries and do not go through probate. Ordinary estate creditors generally cannot force…

Do home-sale proceeds have to be held for the standard creditor claim period before anyone can use them? – NC

Do home-sale proceeds have to be held for the standard creditor claim period before anyone can use them? – North Carolina Short Answer Under North Carolina law, there is no automatic rule that home-sale proceeds must sit untouched for the entire creditor claim period, but a personal representative must keep enough of those proceeds available…

When we sell our parent’s house, does the due diligence or earnest deposit have to go into the trust or estate, or can we use it to secure a new place to live? – NC

When we sell our parent’s house, does the due diligence or earnest deposit have to go into the trust or estate, or can we use it to secure a new place to live? – North Carolina Short Answer Under North Carolina law, any earnest money or due diligence fee paid for the sale of a…

What happens to my spouse’s unsecured loan and credit card if the estate has little or no assets—am I personally responsible? – NC

What happens to my spouse’s unsecured loan and credit card if the estate has little or no assets—am I personally responsible? – North Carolina Short Answer Under North Carolina law, a surviving spouse is not automatically liable for a deceased spouse’s individual unsecured debts, like a credit card or personal loan, if the spouse did…