Letters To Creditors: Fill & Download for Free

Your rights will depend on various factors specific to the jurisdiction where your grandparent passed away. You need to contact a probate attorney in that jurisdiction, preferably one in the same county.If you received a communication from someone calling themselves executors and not trustees, almost certainly the situation involves a will and not a trust. Don’t make assumptions, especially if you have no legal training. Also, I know of no jurisdiction where a reading of the will is standard practice these days. I’ve never done one in forty years of practice, nor have I heard of one being done.The way to determine your rights, if any, is by consulting a probate attorney in the grandparent’s jurisdiction. Perhaps a probate filing has been initiated. Perhaps a Notice to Creditors has been published. A local probate attorney will know how to check.An answer from an Internet forum won’t help you. Are you expecting that you’ll write a letter to the executors saying, “Do my bidding, because this Quora answer proves that I’m entitled to something!”? That won’t work.You need to consult a probate attorney in the grandparent’s jurisdiction about your available options.

Back in ‘79, I was with Bank of America. I wanted to withdraw $180 from my savings account. It was a different branch than my “home" branch, and god forbid, I didn't have my passbook with me. They refused to give me my money. I escalated it to the manager, who told me without my passbook, they didn't know how much I had in the account. I was pissed, and after figuring out they weren't going to budge, I told the manager I wanted to close my accounts. Funny, they were able to do that. I took all my money on the spot and opened accounts at one of their competitors. You gotta be kidding!Advance to ‘87. A now extinct S&L started bouncing checks left and right. My ex and her mother went in to find out why. They audited our account for several hours and finally found the S&L's error. They had posted a $10 check as $100. Their bad! They sent us a bill, demanding $10/hour, for the audit. We sent them a demand for full return of NSF fees, reimbursement for fees creditors had charged us, and a letter to each of the creditors, explaining the error was that of the S&L, in addition to a waiver of all fees resulting from the audit. Of course, we prevailed, but…you gotta be kidding!

Bad credit doesn’t have to last forever. If you take steps to improve your financial life, mistakes will disappear from your credit report over time.How much time? For unpaid or delinquent accounts, the time period is seven years. For Chapter 7 bankruptcies, it’s 10 years.To prevent mistakes, credit bureaus often err on the side of removing bad information a little early, says Norm Magnuson, vice president of public affairs for the Consumer Data Industry Association, a trade association for credit reporting companies.For delinquencies, “most of the (bureaus) are set up to automatically delete the data at six years, nine months or somewhere around there,” he says.If old debt is still haunting your credit report, you don’t have to live with it. Here are eight steps to get it off your credit report.1. Verify the age of the debt2. Confirm age of sold-off debt3. Get all three of your credit reports4. Send letters to the bureaus5. Send a letter to the reporting creditor6. Get special attention7. Contact the regulators8. Talk to an attorneyThese are basic and very insured ways to follow but if you are need of more help and better explanation then you should check in with an expert to put you through step by step.