F. Paul Maloof's answer You have a right to sue the finance company for breach of your contract and violating your rights. You can also call the office of the Attorney General for Virginia and file a complaint.
Richard Sternberg's answer She would be wise to consult a lawyer in Ghana before proceedings. May countries have at many times in history restricted the sale of gold, both to currency security and for fraud prevention. It is not at all unimaginable that Ghana retains such a legal structure. She might prefer to sell the gold in places like the US, were no guarantee is required. She is required to report any transaction(s) in gold with a value in excess of $10,000, including importing or exporting from the country. Once...
Kenneth V Zichi's answer She can ask, but no bank that I know of would allow such a procedure for anything other than a VERY small account (or one that has a beneficiary named). Probate of some sort is usually necessary in such circumstances.
Consult with a local probate attorney as there are often 'simplified' forms of probate available even if there is no beneficiary named. This highlights the importance of proper planning as much of this can be avoided if things are structured properly!
Ben F Meek III's answer The proceeds of the life insurance policies should pass to the beneficiaries outside of the probate estate. Likewise the jointly owned bank accounts, which should pass outside of probate to the surviving owners of the accounts. The credit card debt can reach assets of the Probate estate, which appears from your question to be only the savings account funds. This assumes no complications or other assets you haven't mentioned. It appears you can pay the $1000 to your mom's creditors and that it...
Paul A. Prados' answer Try again or try to deposit in another bank. Those are your fast and easier answers. Trying to force your financial institution to do something it does not want to do will leave you frustrated, and with expensive and unlikely successful remedies in court.
You might also ask the bank that issued the checks to do an electronic transfer or other form of payment without the use of a physical check.
Paul A. Prados' answer A money order is a contractual agreement to pay made with a third party. They likely will honor it as long as it is not severely damaged. You may want to go to a location of the issuer of the money order and see if they will issue you a new one so you can deposit it without a problem.
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