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3 Answers | Asked in Estate Planning and Probate for Maryland on
Q: What happens if someone refuses to sign probate papers?

Everyone has already appeared in Orphan's court and agreed to the administators. Bit now one person is refusing to sign the approval papers. Can the court make everyone proceed with probate?

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Nov 11, 2022

The Court does not need everyone's consent to "proceed with probate". Consent may affect whether or not the appointed person needs to post full or nominal bond.

The law sets an order of priority for people to serve as Personal Representative. When multiple people with the...
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1 Answer | Asked in Real Estate Law and Divorce for Maryland on
Q: How can my ex husband take over the condo? He isn’t on the mortgage though! He won’t be able to refinance?

I am on the mortgage he isn’t. But we are both on the deed. What is the process of how he can take the condo from me and my name come off?

What happens if my mortgage loan is not assumable though and my mortgage doesn’t transfer to

Him?

Baltimore county signed off on... View More

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Nov 2, 2022

A names "comes off" property by a deed that gets recorded in Land Records. If this wasn't handled in the divorce, you may want to talk to a real estate attorney who can prepare a deed conveying to your ex.

A deed does not change who has responsibility on a mortgage, but...
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1 Answer | Asked in Divorce and Real Estate Law for Maryland on
Q: Can my ex husband who isn’t on the mortgage take over? We just got divorced

He isn’t on the loan but my name and his name is both on the deed. My name is only on the loan. How does this work if he want to take over the loan? He keeps telling me he can just take over the mortgage loan

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Nov 1, 2022

Generally speaking someone cannot transfer ownership of property without paying off the mortgage balance in full. However, things are a bit different for a husband and wife. A federal law called the Garn St. Germain Act allows a spouse to essentially take over a mortgage for a home if they are... View More

2 Answers | Asked in Foreclosure, Real Estate Law and Divorce for Maryland on
Q: If my ex husband isn’t on my mortgage but deed only can he take over my loan?

We are both on the deed. He isn’t on the loan but wants to take the condo over. I have a conventional loan only and I been researching this that this type of loan isn’t assumable. So how can he take over the loan? He can’t refinance the loan either can he?

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Nov 11, 2022

The general rule that mortgages are not assumable does not usually apply to situations where a spouse is getting a home. There is a specific federal law that allows a husband or wife to continue paying the mortgage in the ordinary course. To get more details you could contact an experienced... View More

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2 Answers | Asked in Real Estate Law and Divorce for Maryland on
Q: My name is only on the mortgage my ex husband is not. but we are both on the deed. He wants to buy the condo.

He wants to take over the loan but he isn’t on the mortgage. Only the deed he is on, how can he take over my mortgage and take my name off?

My mortgage isn’t assumable. It’s conventional only. How can he refinance though if he isn’t on the loan?

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Nov 11, 2022

This question (or some variation of it) gets asked a lot.

The GENERAL rule is that a mortgage is not assumable. However, a federal law changes how the general rule applies in certain family situations involving residential property. When a home is transferred to a husband or wife, the...
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1 Answer | Asked in Criminal Law for Maryland on
Q: My loved one has an eye injury which occurred before going to prison and has left them visually impaired. Is there help

If at all possible how can I advocate for them?

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Dec 15, 2023

You may want to reach out to the National Federation of the Blind (NFB), headquartered in Maryland, for resources.

While not legal advice I hope this helps.

2 Answers | Asked in Real Estate Law for Maryland on
Q: How to find out if a business had a grandfather clause

This business was run in Maryland and the business was inherited. It was told to us that my uncle was grandfathered into the business and we are trying to see how that was done. It would have changed hands around 1990 to 1993. It is called Eatons Fish Hatchery, 10701 Putman Rd, Thurmont, MD 21788

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Apr 10, 2023

Often when people speak of something being "grandfathered" they mean that something (say a building) complied with whatever regulations existing when it was built/created and so it doesn't need to come up to today's standards/laws. However it is unusual to speak of a person... View More

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2 Answers | Asked in Estate Planning and Probate for Maryland on
Q: Wife’s brother died. Before death he verbally said she could have a certain painting. Executor says no.

Nothing is in writing. We just want to know if the executor is telling the truth based on what the wheel says they won’t show us the will. Do we have a next step.

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Oct 14, 2022

In Maryland a Will is a matter of public record after the person who made it dies. The personal representative has an obligation to open the estate and identify both the people named in the Will to inherit as well as people who would inherit if there was no Will. Depending on who was in the... View More

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2 Answers | Asked in Real Estate Law and Tax Law for Maryland on
Q: I bought a property in a tax sale, there is no mortgage do I have to pay a transfer tax
Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Sep 14, 2022

Yes, transfer and recordation tax are due when the deed gets recorded.

Note that tax sales in MD require a foreclosure lawsuit before the county issues a deed. Purchasing at the tax sale auction is only the first step.

While not legal advice I hope this general information helps.

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2 Answers | Asked in Estate Planning for Maryland on
Q: My uncle passed away without a will with minor beneficiaries. The executor of estate wants to buy property whats process

Executor is family member who is not a benficiary is this possible for fair market vallue, minor will be turning 18 before sale.

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Jul 16, 2022

The short answer to your question is "Yes, it is possible for the Personal Representative (Executor) to buy property from the estate.

So long as it is for fair market value (as your post suggests), the process is fairly straight-forward and involves deeding out of the estate. It is...
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2 Answers | Asked in Estate Planning and Probate for Maryland on
Q: My question would be What is the difference between power of attorney and an executor of the estate?
Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Jul 16, 2022

A Power of Attorney gives someone else rights to manage financial affairs and property while the planner is LIVING.

In contrast, an Executor (Personal Representative) is appointed to manage the financial affairs and property after the planner dies.

While not legal advice, I...
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1 Answer | Asked in Tax Law for Maryland on
Q: I've been paying taxes on property for 60 years.. How can I get a reimbursement as they say I no longer own it?

We have been paying taxes for years and just found out the property is no longer ours. We've been paying taxes every year for over 60 years since the death of our father. How can I get my money back from the state of Maryland.. They sent me statements and accepted my money for property taxes... View More

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Apr 1, 2022

Generally speaking anyone can pay anyone else's property taxes... the state will not reimburse someone for paying taxes on property they do not own.

However, the question prompts another - how was there confusion on the ownership of the property? Tax bills show the name of the...
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1 Answer | Asked in Family Law for Maryland on
Q: I have joint custody of my children. If I think they are being physically abused is it ok for me not to return them to

Return them to their mother until I can get back into court? Can I be arrested for doing this?

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Apr 1, 2022

This question really needs to be posed to a family law attorney, in private consultation, who can look at the custody order and listen to the facts related to the possible abuse to see if an emergency petition is in order. Violating an existing court order can indeed cause someone to be held for... View More

1 Answer | Asked in Estate Planning and Tax Law for Maryland on
Q: I'm settling my mom's estate in Maryland and gave the grandchildren her furniture. Do I need to hire an appraiser?

Used furniture - not antique.

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Apr 1, 2022

An appraisal is required for most tangible personal property that the decedent dies owning. Under Maryland law a Personal Representative can only value certain kinds of personal property (e.g., automobiles with a blue book value). Unfortunately furniture is not in the list of items a Personal... View More

1 Answer | Asked in Estate Planning, Insurance Bad Faith and Insurance Defense for Maryland on
Q: My father passed recently. He named me, his daughter, as beneficiary for his life insurance policy back in 2014.

He had to get his life insurance papework notarized due to state of Michigan retirement/pension rules, which he did, and then sent it in to be filed. In 2021, he remarried and went through the state of Michigan online system and put his new wife down as the beneficiary. He did not go through a... View More

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Apr 1, 2022

I am sorry to hear of the recent loss of your father.

The post states that the policy holder "went through the online system and put his new wife down as the beneficiary." That is almost certainly the answer to the question "who the true beneficiary is of his life...
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3 Answers | Asked in Estate Planning and Real Estate Law for Maryland on
Q: For a life estate deed, how do I describe the grantees? Ex: A is transferring to B for life of C with remainder to D?
Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Apr 1, 2022

The Grantees are persons receiving an interest in property. So if B holds a life estate during C's life (it isn't clear why one would do this), "C" wouldn't be a grantee.

There are a variety of ways one can transfer lifetime interests in property, with a host of...
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2 Answers | Asked in Estate Planning for Maryland on
Q: executor is telling me we will need to transfer the $ fr. me &my moms joint account to estate.any legality if I don’t
Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Apr 1, 2022

As another attorney noted, the general rule is that joint accounts with survivorship rights pass to the survivor without going through probate.

However, there are some circumstances under which the general rule does not apply and funds in a joint account are construed as being held in a...
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2 Answers | Asked in Real Estate Law for Maryland on
Q: Hello

Hey I have question, about year ago we made an offer on a house it was listed 80k and we made offer of 90k and Realestate agent told us someone offered 95k and their offer was accepted it was sealed offers, and we could not buy it, I just came across with that house again it says sold for 80 on... View More

Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Sep 20, 2021

The initial contract price is not always the final sale price. While it is possible your agent lied, it is also possible that the Seller in fact accepted a higher offer and either the appraisal or an inspection caused a re-negotiation of the price before it got to sale. Because contracts,... View More

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2 Answers | Asked in Estate Planning for Maryland on
Q: Do you need an appraiser if the only thing in the estate is a bank account with US dollars?
Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Sep 16, 2021

No. You simply need to verify the exact date of death balance in the account.

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2 Answers | Asked in Estate Planning for Maryland on
Q: What are the advantages of putting my home in a trust costing $3500. or a joint tenancy. We are leaving =ly to 3 sons.
Cedulie Renee Laumann
Cedulie Renee Laumann
answered on Sep 2, 2021

The fee for trusts is not set by law and estate planning attorneys will set their own rates, so a trust may cost more or less than the figure you quoted, depending on the circumstances and what else is involved. (My firm, for example, at time of this post prepares comprehensive revocable trust... View More

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