Estate Legal Matters To Deal With When Your Spouse Dies

Рет қаралды 105,254

Күн бұрын

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Sometimes, after a spouse dies, the surviving spouse assumes that they don't need to tend to any estate legal matters. While every situation is unique, the following is generally what should happen after a spouse passes away.
Within a couple of weeks after your spouse dies, you should determine whether a probate is necessary. Take a look at real estate titles, bank account titles, brokerage account titles, and vehicle registration or titles. If assets such as these are in the name of your deceased spouse, you may need to see an attorney about conducting the probate to clear up the frozen assets and remove your deceased spouse's name from these assets.
Once death certificates arrive, complete the handling of those beneficiary designation items, such as annuities, life insurance, IRAs, and other retirement accounts.
If your spouse, or you and your spouse, created a living trust, there may be no probate necessary. But many joint living trusts require that upon the first spouse's death, the joint assets be split into the Deceased Spouse's Trust and the Surviving Spouse's Trust.
So, don't be afraid to ask questions. If you get help, get the right help. And while you may not want to immediately make major financial and contractual decisions, it is prudent to handle the matters addressed in this post promptly.
For prospective law firm clients who want to schedule a free 15 minute initial phone call with Paul Rabalais, go to: go.oncehub.com/Paul8
This post is for informational purposes only and does not provide legal advice. Please do not act or refrain from acting based on anything you read on this site. Using this site or communicating with Rabalais Estate Planning, LLC, through this site does not form an attorney/client relationship.
Paul Rabalais
Estate Planning Attorney

Пікірлер: 147

@cameronwong7608 3 жыл бұрын

Thank you so much for posting this information!!! Liked and subscribed!

@sondradickens1770 3 жыл бұрын

Thank you so much great advice.

@curtevans7662 4 жыл бұрын

Thanks Paul! Great advice

@hassanbazzi3545 2 жыл бұрын

I have subscribed to your channel for some time and enjoyed all your very valuable information you discussed. Thank you for sharing

@cherlgolja5402 2 жыл бұрын

Knowledge is power , thank God we had a trust ! And and excellent estate attorney ❤️

@billiehaley2816 Жыл бұрын

We love and appreciate your helpful videos. Thank you thank you!!!!💜

@tcwaterdrill 3 жыл бұрын

I live in Alabama, if your car title is in both names with the word "or" between both names ether person can sell the car. If the title has both names and the word "and" between both names and one dies then probate here we come to sell it. So always if you trust your spouse title in both names with "or" between them.

@annek1226 3 жыл бұрын

In Wisconsin the estate can claim half of it! It is only Motor Vehicle that looks at it that way not the probate court!

@lindaheaps9047 Жыл бұрын

I have been watching your You Tube videos and finding them very informative. I now have many questions for the estate planner. Thank you for providing this information.

@wkjeom 3 жыл бұрын

Thanks, Paul !

@hannaJardin 2 жыл бұрын

thank you so much for this informative video;1

@rufuskaukani243 3 жыл бұрын

Helpful information

@michelledicriscio7774 3 жыл бұрын

Thank you for your advice . Happy Father's day , 06 2021.

@sylvievicenza179 3 жыл бұрын

You are so interesting. My husband in American and I am Canadian. I did my will and he did not. He always tell me I would be ok.I never believed than and listening to you I see what I would be against. AND the fact that it is two different country&laws.

@cindyd1042 Жыл бұрын

Thank you !!!

@grandmajanedeacon5790 3 жыл бұрын

Thanks for these videos. My husband died in 2020 and the funeral home recommended obtaining around 10 death certificates. The cost was $150. I found that almost every company scanned it into their computer system and handed it back to me or mailed it back. This included the investment firm and the local bank. Life insurance companies just wanted a copy-there are other ways to verify a death so a certified death certificate wasn’t necessary. It seems businesses don’t want to keep track of paper anymore. Of the 10 death certificates I obtained, I have 8 left. I was advised by my attorney to obtain a Verification of Death which is as valid as a Death Certificate but doesn’t have all the extra information on it that is not pertinent to most companies and can present an avenue for identity theft. This was available in Colorado, I’m unsure of other states.

@natashanonnattive4818 2 жыл бұрын

You can take all deeds and titles to court and cash them in. Not sure how much they will bid on them, they are used as stock.

@NYCisland 2 жыл бұрын

Yeh, funeral homes are cash sucking machines. As you found out, you didn't need to purchase so many original death certificates.

@HB-yq8gy 2 жыл бұрын

Yes me too after my mother's died in 2010 I requested 10 death certificates from the IRA Co. & Company pension mailed them back.

@beverlymartin2186 Жыл бұрын

Thanks

@cheryljune1603 2 жыл бұрын

My husband died 4 months ago, I just cannot even think of paperwork and I’m far behind on it

@bones8057 3 жыл бұрын

Great vid as usual. Thanks. What about "portability" :-)

@KristiContemplates Жыл бұрын

My parents were unwed teens when I and my younger sibling were born. They went on to marry other people and had more kids. If/when they pass, the probate will be 'interesting' 😢

@californiadreaming6560 4 жыл бұрын

Thank you, omgoodness. My spouse passed 5 yrs ago. I haven't done anything.

@patriot9455 3 жыл бұрын

The "stupid question" is the one you should have asked, but didn't.

@davinaalleyne6079 2 жыл бұрын

Thank you , this video is most informative. It comes at exactly the right time. 👍🏽

@cayennenaturetrails8953 3 жыл бұрын

!!!!!!!!!!!!!!! Thanks for the Info. :)

@billiehaley2816 Жыл бұрын

When we walk in to talk "larry" we will be better prepared. 💜

@patrickmckeegan5345 Жыл бұрын

Death Certificates cost $16 each in my State. I ordered 3 certified originals. Most places took photo copies.

@bg7789 5 ай бұрын

$20 each in my state

@RMUNOZ1963 4 ай бұрын

Thank you for posting. My questions is how about how much is all this gonna cost? What are the most important estate matters to settle?

@sivaselvigunasekaran9499 3 жыл бұрын

You not only give valuable information but very understanding and companionate. You are a good and caring person. Thank you. I do not know when this video was produced; but is it possible for you to give a presentation on how SECURE act affects living trust of surviving spouse and recently converted family trust under the name of deceased spouse. I am scheduled to review and if necessary, amend my living trust which I believe is a AB trust or something like that. Thank you.

@ritadilger4410 3 жыл бұрын

Thank you so much. My husband won’t get a trust, he always says everything will automatically go to me. Now I know that’s not the case. You’re helping me immensely. I’m hoping he’ll listen to this and consider do things now. We live in California so I’m sure the state will not make it easy.

@beaubritton4362 3 жыл бұрын

In California I have put all my brokerage accounts in “transfer on death” and I named my husband. My broker said this is all I need. Also I have removed enough cash where he can access it, so he can buy groceries and day to day needs. I think here is California, it automatically goes to the surviving spouse anyway.

@claudiatapia8310 2 жыл бұрын

@@beaubritton4362 If it is in Joint tenancy or community property with right of survivorship goes to the surviving, better to go to a good estate attorney and do things the way it should be ...

@claudiatapia8310 2 жыл бұрын

@@natashanonnattive4818 Thank you. Never heard of it, Do you avoid probate through this method? txs!!

@natashanonnattive4818 2 жыл бұрын

@@claudiatapia8310 never Attorneys work for the Elite esp Bar Attorneys do your homework quit believing the lies.

@natashanonnattive4818 2 жыл бұрын

@@claudiatapia8310 Yes

@jonetyson 2 жыл бұрын

The stupidest question in estate planning is the the one someone felt too embarrassed to ask

@albafernea9330 Жыл бұрын

Thank you for all your advice my Husbund and I have a living trust my question is if I can change the living trust after he pass. Thank you it was done in 2004 in California.

@gregsarapao6686 3 жыл бұрын

Thank you for the advice.. everything you’ve said is very helpful. How can we seek assistance from you regarding probate and trust?

@fatemehabootorab3625 3 жыл бұрын

Estate planning attorney in California recommendation. Thanks

@dbags76 2 ай бұрын

On the car title here in South Carolina it depends on the wording of said title. If its "AND" you have to go through probate but if its "OR" nothing has to be done.

@vinceschulte2600 3 жыл бұрын

Would you cover the estate tax ramifications if more than the $15,000 limit on gifts is made

@THEdragonfly116 2 жыл бұрын

Ohio TOD (transfer on death) filed for each vehicle avoids probate. (Info from Probate Judge)

@DennisMathias 3 жыл бұрын

Do you do out of state consultations? Are you a CEP in all states?

@Ruststored 3 жыл бұрын

Thank you for the video. If vehicles title is titled as. John Doe or Jane Doe in Idaho will it need to go through probate before the surviving spouse can sell it?

@NYCisland 2 жыл бұрын

Ask the Idaho department of vehicles not a lawyer in Louisiana.

@jackieboatwright8917 2 жыл бұрын

What about safety deposit box. What happens to ins. Policy they say have no beneficiary on it and you don't send form back where does that money go.

@edl617 2 жыл бұрын

A will is simple and easy

@brendasquatrito9299 3 жыл бұрын

If there's a property that was an inheritance but spouse was a signature on paperwork does that still prevent you from selling after their death

@rosesalazar3809 Жыл бұрын

I enjoyed your video, very informative. I have a question, my husband bought an RV while we are married and is only under his name. Can we add this to living trust to assure the surviving spouse has the ability to legally have ownership? I ask this in the event 1 of us wants to live in it to save money.

@elliewilson8863 3 жыл бұрын

My husband passed and immediately I started all the paperwork. I was giving 15 death certificates and did all my paper . I was fortunate that my husband was a 26 years military retired so DEFAS and VA took care of the money thing for me . Also our banker and the death insurance took care of the rest . For me it was just easy to transfer cars registration and title on my name as likewise the house . Bank open another bank account for me and piggy ride my account on our joined account for six months . I recommend to have all paperwork in a handy folder and carry with you .

@chini4928 2 жыл бұрын

What are the paperwork? Example?

@elliewilson8863 2 жыл бұрын

@@chini4928 death certificates, VA acceptance claim letter , DD14 form , titles for house and cars if jointly , and any other letters from DEFAS .

@Chief_5 2 жыл бұрын

Definitely having a binder with everything is a plus. Condolences to you. 🙏

@jenkinsljenkinssquire9137 10 ай бұрын

I didn't do any of that

@annettesereno9617 3 жыл бұрын

My souse died 6 years everything was put in to the estate car are or a not and they are not in the Estate n ow my Question is my nieces will be executors when I die I want to give them step step things about what to do. We do have a lot of investments and I have a fiance accountant. Will they just have to take my death certificates to our banks or both certificates. Should i open an estate account with their names? how can i set something up so they can have money available to them a head of the death certificate being available. I will be talking to my estate lawyer on May 17 . but wondering about these things. Thank you just starting to try and get as much in order as possible to make it easier on both. They will not be inheriting anything

@kbmommyof2938 2 жыл бұрын

My husband and his dad bought the property we live on before we met. My father-in-law is very close to passing, and he has lots of big money $$$ in medical expenses and I’m sure there are liens on our home. What can we do to remove them after he passes? I am not tied to our property because of my protection, but, I know his expenses are over 3X what it’s worth. What can we do if anything?

@marthagallahan9047 3 жыл бұрын

Of i add my husband to my house feed will his grown kids have an interest in my house?

@edl617 Жыл бұрын

I download this clip and safe it.

@patriciawagstaff6302 3 жыл бұрын

How do you know you need probate ?

@1dyrfullymade Жыл бұрын

What happens when your parent passes away without a will in NC. It has now been 5 years since my fathers passing and me and my sister are ready to set things in order with my fathers house and 33 acres of farmland. We have a brother too that has not been so cooperative with us these last 5 years.

@teresavict1831 2 жыл бұрын

My credit union is not allowing me to add my spouse to my deed . Do they have that right legally.

@nunya5555 10 ай бұрын

Can you tell me why 2 inventory lists are needed if one spouse outlived the other by 5 months, and everything was passed to the surviving spouse?

@susangarrett2489 24 күн бұрын

Boy am I glad I don't live in Louisiana! So many things he mentioned having to go through probate don't in Florida.

@sharonknecht9521 2 жыл бұрын

How do we contact you regarding estate planning

@tinacraft303 3 жыл бұрын

Death Cerificate Works

@barbarajordan5355 Жыл бұрын

Mr. Rabelais I hope you read this my husband had a business he died at the age of 76 Jan.31,2018 one of our daughter worked there and was named executor I was in bad health she sold the business and kept all the money he had a will at said all that he owns goes to his wife. Question is was the realtor right selling the property knowing that there is a living spouse. Thank You Barbara

@allied8673 Жыл бұрын

Hi in ohio, does wife have to pay medical bills when husband passes away

@albafernea9330 Жыл бұрын

Can I change the living trust after my husband pass.

@patcurrie9888 3 жыл бұрын

What is the appropriate cost for a trust? Basic, house couple of cars & IRAs

@christined2495 2 жыл бұрын

Pat Currie my husband and and I just did a trust, everything soup to nuts, it cost us $4 k After both of us are gone, my children will not have to go into probate, everything will be very easy for them

@darcieelshoff780 Жыл бұрын

Do you have to separate assets in the trust after the 1st spouse dies if you have the same children?

@janettacker933 3 жыл бұрын

What estate? Do we even matter? Yes we po

@KathleenJean53 3 жыл бұрын

Can you do divorce? Strategies for later in life, survival, social security.

@rosemariealmero1214 3 жыл бұрын

My question is....we are not married but our 5 acre land deed basically says if one of us dies the survivor will inherit the land. What are the steps to clear the matter? Thank you in advance.

@mrsd3455 3 жыл бұрын

Call a title company in your area, I’m sure they can answer your question in one call

@marthagallahan9047 3 жыл бұрын

After he passes

@VictoriaGaytan-pf1uo 16 күн бұрын

Paul I just found the deed of trust to my home . We purchased the house when we were not legally married. But we had been together 7 years. For credit purposes it’s I only in his name , the mortgage company says I’m listed as sole successor, but has been a little to no help in letting me know or helping me find out how to obtain the documents that they need. I just found the deed of trust, and I’ve not made a mortgage payment in about 18 months. They keep calling to ask me if my intention is to stay in the home and I tell them yes and then I don’t hear from them for a few months. What should I do?

@robertfryfogle1928 Жыл бұрын

My husband died Jun 11th 2022.... I am currently dealing with his bank account that it never occurred to us to have my name added as a Beneficiary... Not a lot there didn't think I would have issues getting it without probate... Second issue is with all the home care I had to do completely forgot to register his truck before he died... We have two vehicles... Car both our names and truck(the one I am having issues with) is in his name only... What can I do without probate to just register the truck under is name... I know in order to do it under my name we are talking refinancing and I can't really afford that... Not expecting to keep both vehicles...

@Deej496 8 ай бұрын

My beloved husband is dying from late-stage cancer. He always did EVERYTHING for me.. All of this sounds so complicated.. God help me!

@scoobydoowhereru1480 2 жыл бұрын

His mom was on our joint account and she transferred all the stimulus Iinto her personal and never gave it back to me and kids and im screwed

@badamterry296 Ай бұрын

My husband passed away 4 months ago and we had a prenuptial agreement that case what’s going to happen

@badamterry296 Ай бұрын

@sundri21 2 жыл бұрын

If You do not ave separate family can you not separate that?

@robertklein9190 2 жыл бұрын

I've dealt with quite a few attorney's and judges in my lifetime and you sir are the fastest talker I've ever heard, especially trying to explain to someone who has no knowledge of the pitfalls of probate. I believe you practice in only one state and therefor are only familiar in the type of probate in that state, so don't try to hustle-up clients by having them to rush out to get an attorney when they might not need one. Heck if they can get a divorce now without an attorney, they can download the forms and file for the appropriate proceeding they need themselves, not rocket science.

@arielwendt6837 2 жыл бұрын

So what happens when your dad was going through a divorce and passed away before it being finalized and has children that are not from that marriage?

@barbaraeamiguel8383 2 жыл бұрын

Im in philippines we married and our married was legal and akso in u.s bassy but im separated to my qst husband filipino what to do

@anthonylewis9572 2 жыл бұрын

I was Wondering About my Father's Pension he worked at a Special Metals plant for I believe 32 years Retired. My Mother passed before my father but what happens to his pension after his passing ??

@NYCisland 2 жыл бұрын

Usually, the pensions stops paying. It might have a pay on death clause but you'll need to read the actual pension documents as there is no standard, they're all different.

@jameslipke354 2 жыл бұрын

In Kansas when you're married vehicles can be/are titled as Mr. John Doe and/or Mrs. Jane Doe. If the death of a spouse occurs only one signature would be required to sell those vehicles. Under Kansas State Law if you go through Probate you must be represented by an attorney, no exceptions. ~APRIL LIPKE

@EarlBalentine 2 жыл бұрын

My son buys a new car for his wife and then he suddenly dies a couple months later. The car was title only in his name since his wife was not with him when he purchased the car. The car was expensive and he put 38k down on it. Now the wife cannot afford the high payments and wants to get another car half the value. She has death and marriage certificate, is there a way to get the car transfer from his name to hers so she can sell or trade it in? She hates to let the car go back to the bank that hold the lien since the cars value is twice as much as the balance. What to do?

@charleshanse8573 Жыл бұрын

how can give my children money from my wife's estate without incurring gift taxes either for my self or them?

@Judewilliams199 2 жыл бұрын

My wife and me are getting a divorce and she’s not doing too well and we are scared she might die, so does that mean her medical bills are going to be my problem after she dies?

@laurajean1691 2 жыл бұрын

Can a surviving spouse change a trust after spouse dies to eliminate someone as a beneficiary?

@anaacuna4591 2 жыл бұрын

My husband passed away about 2 months ago and I was not in his trust do you recommend to me hiring a lawyer because her daughter is in the trusting my husband I was going to changed but it in my name too

@robertoverman7697 3 жыл бұрын

I have a question. What about step children entitlement syndrome? I’m dealing with that now.

@gwp1ohio 3 жыл бұрын

Yes, my father is dealing with that now as well...

@shanadellos6034 3 жыл бұрын

I have that very same question too. I don’t want my now adult step kids thinking I am doing anything against what will be theirs and I want to include them in the conversation pre death so they don’t get fantasy drama on me if their Dad dies before me. Help!

@roxannescott5952 2 жыл бұрын

I'm going threw this now and it's hell. 2 days after my husband died, they tried to throw me out. Were young, this was unexpected. But I thought we were working it out between us, so I let them go threw things they wanted, n after that, they changed on me, and decided now they want it done legal in court. So they are allowed 20% of what estate is worth, but everything we purchased during marriage is mine, but what my husband had before me. So, I own everything between us, AND also half of what my husband owned before marriage. Its been hard. It really made me bitter.. I didn't get to mourn.. the night my husband died, they were already going threw the house, as I was with husband's body

@patriciawagstaff6302 3 жыл бұрын

Don't forget calling social security and his pension office. Asap .

@NatalieBenfield-ht7ti 7 ай бұрын

Great info! I'm in NC and I've been told that if my husband passes away, my stepson's mom could fight for the right to split our assets with her and that I could have to sell my home and split with her?

@snowbunny1285 5 ай бұрын

You need a will. I was thinking something similar. If my husband dies without a will then the assets will be split between me, and my son. I also live in nc. My husband refuses to make a will

@darengentle1477 Жыл бұрын

My wife passed away in 2020 and one of my 5 sons is trying the inheritance act 1975 on me through civil court cpr36 the will states I am sole executor and the life insurance I’m sol beneficiary where do I stand?

@ADAM_RECORDS_LIVE_OCTAVERN 3 жыл бұрын

I would love to talk with you !.. My wife died ..age 36 Nov 2008.. at the time our only child was just months old. My own convicted felon (1988) mother intercepted and lied to the SS administration ...claimed she was caring for my daughter including me living with her resulting in her stealing ALL of the survivors funds from my deceased wife.Still to today's date she receives my now 12 year old daughter's portion. I have never recited with my mother passed age 19 and briefly after the Marine Corp release in 1996. My mother took me to corrupt family court to get guardianship and remove fathers rights ...my wife's name was forged for consent. I have so much proof from the banks claiming this. Could you point me in the right direction ? I would appreciate any help.

@robertbarry1792 3 жыл бұрын

Husband had an old will mentioning his son. He remarried 10 years later. Is the old will null and void? Does the step son due an inherentance or just the new wife?

@NYCisland 2 жыл бұрын

The most recent will takes precedence. If it was never updated, it's stays as valid as the day it was signed. Get a new will !!

@chantakiskimartin-goree1964 Жыл бұрын

How can I get my spouse pension after he died? He died in A the October 19th 2014. They'll give me a hard time and I don't know what to do. This is two thousand and twenty three is it too late or can I still get it

@cherayish 3 жыл бұрын

Thank you! I need a Living Trust for my husband and I. We live in the Virgin Islands. Do you know an attorney here?

@cherayish 3 жыл бұрын

Or do I need an attorney for a living trust?

@mariasanders6629 Жыл бұрын

Hello My husband died in 2020 My husband died in an IRA account in the name of my son as a beneficiary, he is 10 years old. The bank told me that he could not have access to this account because I am not the beneficiary. but today I called and they told me that I can open an IRA account to transfer the account to my son's name. I am in the process of buying a house and I want to know if I can have access to take some of this money? thank you

@dalerichmond7551 2 жыл бұрын

I’ve been together with the woman that I love for 27 years and we’re not married but her name is on my account not her money but we use it together should I have her removed from my account as we both have children from other marriages if you could do a video on that I would greatly appreciate it on what I should do

@debarbosas6701 2 жыл бұрын

Sir, what about if your name is on the DEED and not on the MORGAGE and in the event of the person who has his name on the mortgage passed. What would happen?

@NYCisland 2 жыл бұрын

That's my situation. I am on the mortgage and husband is on the deed. I asked the lender and they said as long as he keeps making the loan payments, he can keep the house. Of course, if my will says the house goes to someone else, then the house goes to that person instead.

@debarbosas6701 2 жыл бұрын

@@NYCisland Thank you so much Mouse Tart. I was very much worried about that.

@kirbydonoho5707 7 ай бұрын

if i had a spouse and they died , i believe logically i would go out and get me a big steak dinner with a side salad and fresh bread with a nice glass of red wine . and somewere in there while eating stop and take a deep breath then remember all the memories you have of them and be thankful for the time you spent together .

@juiceybananas5489 2 жыл бұрын

My common law wife died and left not only myself but also a 5 year old child. She had 175.000 in annuities and 60,000 at a local elevator, our house paid off, 100 acres prime Iowa farmland, bank accounts including my daughters savings and safe deposit box. I was with her and she told me the day before her death the will stood but Attys say she died intestate. Who would get the assets? I'm raising our daughter without any money from estate and hired atty out of Sibley and I think he robbed me, what can I do? I have never seen a judge yet and Atty Joe says he cant be fired as he is the fiduciary and he is mean and very secretive and only shows up or calls when there are changes with the probate. How many years does probate take anyway and why do I have to pay the county Atty 2500 for court room rent and expenses? All I have done is spend and spend and deprive my daughter. What can be done? Thank you from Rock Rapids, Iowa

@NYCisland 2 жыл бұрын

WOW that lawyer you have should lose his license. He will suck out all the funds you have. You'll need to go to another attorney for advice. It's horrid that these things happen. Unfortunately few people learn about all these things they need to handle before someone dies because they don't want to think about death.

@pihuthakur4927 3 жыл бұрын

Hlo sir I am in India and my husband came from.canada to India and he dies becaus of corona . He also sponse us what can we do??

@sabine3769 2 жыл бұрын

Get immigration attorney

@nommank1892 4 жыл бұрын

if the spouse has no life policy or anything to leave for you when he dies,is it selfish to not include him as a beneficiary on your own life policy and just put the kids?

@pce-sz1gi 3 жыл бұрын

Heck no!

@qqq1q1qqqqqqq 2 жыл бұрын

No!

@marthagallahan9047 3 жыл бұрын

House deed

@phish_1 Жыл бұрын

Who will die first the young wife or the old husband?

@douglasjensen8986 2 жыл бұрын

I am an organ donor, and furthermore have donated my remains to a university medical school. The contract requires my remains be transfered to the medical school within 24 hours of my death--so the FIRST thing my spouse has to do when I die is notify the medical school so they can have an ambulance get my remains (assuming I do not die in that universities hospital).

@barbaraeamiguel8383 2 жыл бұрын

Hello atty,im married.u.s citizen last 1997 he is in u.s few years im still looking searching him and i saw in youtube hes died last 2004 and lastc2005 somebody send me a divorce paper Can i complain regarding this matter pls help me

@cirinasix4662 3 жыл бұрын

My Husband passed away in December 2020.He was in & out of the Hospital on 3 separate occasions. He had Cancer Insurance. They sent me a check which I can't do anything with because it was made out to the Estate of... I am on that same Insurance, how do I get them to make the checks out to me to deposit?