Legal Question in Credit and Debt Law in Florida

deceased debt collection

My aunt co-signed on a loan for my sister. She defaulted on the loan and they owe the bank money. My aunt passed away and they have recently served her with papers anyway saying that they are going to attach it to her house that was left to my mom. Is this legal if they never took her to court before she passed? they papers were sent after her death. This is in Florida. Thanks

KJ


Asked on 12/05/07, 2:23 pm

3 Answers from Attorneys

Scott R. Jay Law Offices of Scott R. Jay

Re: deceased debt collection

NOTE: This communication is not intended as and should not be interpreted as legal advice. Rather, it is intended solely as a general discussion of legal principles. You should not rely on or take action based on this communication without first presenting ALL relevant details to a competent attorney in your jurisdiction and then receiving the attorney's individualized advice for you. By reading the "Response" to your question or comment, you agree that the opinion expressed is not intended to, nor does it, create any attorney-client relationship, nor does it constitute legal advice to any person reviewing such information, nor will it be considered an attorney-client privileged communication. If you do not agree, then stop right here, and do not read any further.

No. They cannot take any action against the aunt's residence unless she agreed they could such as in a mortgage. Her primary residence is protected under the homestead laws of the state of Florida and is exempt from the claims of all creditors.

Scott R. Jay, Esq.

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Answered on 12/06/07, 12:15 am
David Slater David P. Slater, Esq.

Re: deceased debt collection

Not unless they have a judgment against her. Was she alive when they claim to have served her?

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Answered on 12/05/07, 2:31 pm
Alexander M. Rosenfeld Rosenfeld & Stein, P.A.

Re: deceased debt collection

If yiur aunt was served with a summons and complaint before she died,then MAYBE the creditor can proceed. I can envision many hurdles the creditor must overcome before succeeding. If the alleged dated of service of the summons was after she died ,then the subsequent actions are improper. It is vital for you to retain counsel as soon as possible to protect your and the estate's interests.

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Answered on 12/05/07, 5:16 pm


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