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If an insurance claim check was issued for property damage, what happens to that money if the home is sold as-is or foreclosed before repairs are completed? nc

If an insurance claim check was issued for property damage, what happens to that money if the home is sold as-is or foreclosed before repairs are completed? – North Carolina Short Answer In North Carolina, insurance claim money tied to damage on a mortgaged home usually does not automatically “follow” the sellers if the home…

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Probate Q&A Series ·

How do I find out who the beneficiary is on a work life insurance policy and what should I do if the benefits company has the wrong mailing address? nc

How do I find out who the beneficiary is on a work life insurance policy and what should I do if the benefits company has the wrong mailing address? – North Carolina Short Answer In North Carolina, the fastest way to learn who is listed as beneficiary on an employer-provided (work) life insurance policy is…

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Guardianship Q&A Series ·

What can I do if a family member accessed a parent’s life insurance account and changed beneficiaries without proper permission? nc

What can I do if a family member accessed a parent’s life insurance account and changed beneficiaries without proper permission? – North Carolina Short Answer In North Carolina, the main options are to (1) immediately notify the life insurance company in writing and ask it to flag the policy for suspected unauthorized activity, and (2)…

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Guardianship Q&A Series ·

Do we need full guardianship, or can we ask for a more limited guardianship that only covers medical decisions or certain areas? NC

Do we need full guardianship, or can we ask for a more limited guardianship that only covers medical decisions or certain areas? – North Carolina Short Answer In North Carolina, full guardianship is not always required. A petition can ask the Clerk of Superior Court to appoint a guardian with powers limited to the areas…

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Probate Q&A Series ·

How are stocks or investment accounts handled in probate—do they get split into separate accounts for heirs, or do they have to be sold to pay debts? nc

How are stocks or investment accounts handled in probate—do they get split into separate accounts for heirs, or do they have to be sold to pay debts? – North Carolina Short Answer In North Carolina probate, stocks and investment accounts that are part of the estate do not automatically have to be sold. The estate…

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Probate Q&A Series ·

Can the executor make an early distribution of a vehicle before the creditor period ends, and what are the risks if a creditor shows up later? nc

Can the executor make an early distribution of a vehicle before the creditor period ends, and what are the risks if a creditor shows up later? – North Carolina Short Answer In North Carolina, an executor (personal representative) can sometimes make an early, partial distribution of estate property—like a vehicle—before the creditor notice period ends,…

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Guardianship Q&A Series ·

Can I still handle bills and manage our shared property if I’m already listed on the bank accounts but don’t have a power of attorney? nc

Can I still handle bills and manage our shared property if I’m already listed on the bank accounts but don’t have a power of attorney? – North Carolina Short Answer In North Carolina, being listed as a joint owner on a bank account often allows withdrawals and bill payments from that specific account even without…

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Probate Q&A Series ·

What can I file in probate court to show whether a bank account had rights of survivorship when the original account documents are missing? NC

What can I file in probate court to show whether a bank account had rights of survivorship when the original account documents are missing? – North Carolina Short Answer In North Carolina, the cleanest way to prove a bank account had a right of survivorship is the bank’s written account agreement (often the signature card)…

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Probate Q&A Series ·

How does the court decide whether property-related payments get reimbursed before the remaining funds are distributed? nc

How does the court decide whether property-related payments get reimbursed before the remaining funds are distributed? – North Carolina Short Answer In North Carolina, the court (usually the Clerk of Superior Court in an estate matter) generally reimburses certain property-related payments before any remaining funds are distributed, but only if the payments qualify as proper…

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Guardianship Q&A Series ·

What happens to my inheritance if my relative’s care costs increase or the estate requires ongoing payments for my relative? nc

What happens to my inheritance if my relative’s care costs increase or the estate requires ongoing payments for my relative? – North Carolina Short Answer In North Carolina, an expected inheritance is not protected just because a family member hopes to receive it later. If an adult relative has been found incompetent and a guardian…

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