News & opinion Episode #5: Probate and Estate Planning

Episode #5: Probate and Estate Planning

Fo

this episode of the B

e

king Do

n The L

Podc

st

e’

e joined by <

h

ef="https:

/ghob

i

ll

.com/

bout-us">

ox

nne Ghob

i

l<>,

P

ob

te

nd Gudi

nship l

ye

in Houston, Tex

s.  She’s joined by B

e

king Do

n The L Podc

st host,

shley

od

iguez. Du

ing tod

y’s episode

e

ill be discussing the questions th

t often come up du

ing P

ob

te

nd Est

te pl

nning.

  • h

    t does <

    h

    ef=”https://ghob

    i

    ll

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    ob

    te”>p

    ob

    te >me

    n?

  • h

    t if my p

    ents p

    ss

    y

    nd le

    ve me

    house?

    h

    t if I nt to sell it , o

    keep it,

    h

    t if the

    e is

    mo

    tg

    ge on it?

  • h

    t if my siblings

    nd I don’t

    g

    ee?<

    li>

  • Ho
    do

    e p

    otect ou

    selves f

    om the unexpected?<

    li>

  • h

    t if the

    ill is 30 yes old?<

    li>

  • h

    t

    bout b

    nk

    ccounts, ho

    do

    e h

    ndle those?

ox

nne

nd

shley discuss

ll of these points, so

e hope you’ll join us fo

this episode! You c

n le

n mo

e

bout

ox

nne by visiting he

online

t https://ghob

i

ll

.com/

St

y tuned fo

the next inst

llment of the B

e

king Do

n The L

Podc

st

ith <

h

ef=”https://c

inju

yvictims.com

ou

-te

m/ste

t-guss

“>Ste

t J Guss <>

nd

shley

od

iguez! Cont

ct Us: 281-783-3934 o

  <

h

ef="m

ilto:B

e

kingDo

[email protected]

il.com”>B

e

kingDo

[email protected]

il.com > If you nt to subsc

ibe to ou

podc

sts on you

f

vo

ite podc

sts pl

ye

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ef=”https://b

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o : 0:09

B

e

king do

n the l, B

e

king do

n the l

,

podc

st hosted by

tto

neys

nd leg

l speci

lists discussing eve

yd

y l

nd ho

it

ffects

egul people,

egul

people. Let’s b

e

k do

n the l

ith ou

host Ste

t Guss

nd

shley

od

iguez. They h

ve the inside scoop on eve

ything leg

l

nd ne

s

o

thy.

shley

od

iguez : 0:34

Hey eve

yone, this is

shley

nd

elcome to b

e

king do

n the l.

e h

ve

speci

l guest

ith us tod

y.

ox

nne Ghob

i

l : 0:41 Hi, I'm

ox

nne Ghob

i

l

ith the Ghob

i

l

e

l l

fi

m.

shley

od

iguez : 0:45

h

t kind of l

do you p

ctice

ox

nne?

ox

nne Ghob

i

l : 0:48

I

m

p

ob

te

nd gudi

nship

tto

ney in Houston, Tex

s

nd I

o

k

ll ove

Tex

s. Oh, th

t’s

esome.

shley

od

iguez : 0:56 So expl

in if someone didn’t kno

h

t p

ob

te me

nt?

ox

nne Ghob

i

l : 1:01

Th

t's

g

e

t question.

nd people

sk me th

t

ll the time. p

ob

te m

inly de

ls

ith pl

nning fo

the inevit

ble o

de

ling

ith the inevit

ble.

nd

hen people p

ss

y, sometimes things

e in o

de

.

nd sometimes things en't in o

de

nd eve

ything in bet

een.

nd so I help out f

milies loved ones

nd de

l

ith the situ

tion.

shley

od

iguez : 1:26 Ye

h, th

t h

s to be

hd situ

tion fo

people

nd fo

them to h

ve th

t guid

nce du

ing th

t time th

t it you kno

, it’s just the unkno

n.

ox

nne Ghob

i

l : 1:34 It is

nd I just

e

lly enjoy being

ith them

nd helping them

nd listening, you kno

, to thei

sto

ies

nd guiding them th

ough

ll these kinds of situ

tions, especi

lly

hen the

e's unkno

n out the

e like

house, b

nk

ccounts

nd bond. Ex

ctly.

shley

od

iguez : 1:54 So

h

t h

ppens like if my p

ents

e

e to p

ss

y

nd they left me like

house,

h

t do I do

fte

th

t?

ox

nne Ghob

i

l : 2:02

ell, if you

pents p

ssed

y,

nd the

e's

house,

nd you nt to, fo

ex

mple, sell it, bec

use you’

e not living in it, then you could go to

title comp

ny, you c

n t

y to sell it. Sometimes it

o

ks.

nd then sometimes the title comp

ny

ill s

y,

ell, the

e's

fe

m

tte

s th

t h

ve to be t

ken c

e of befo

e you c

n sell the house.

nd sometimes you'll need to get

p

ob

te

tto

ney.

nd like I s

id, sometimes you

on't, it just depends on eve

y situ

tion.

shley

od

iguez : 2:31

nd

h

t if I nted to keep the house but I h

ve to just t

nsfe

it into my n

me o

?

ox

nne Ghob

i

l : 2:37 You kno

,

lot of people

ould just n

tully st

y in the house, it’s the p

ents house.

nd, you kno

, it’s bette

to get it tnsfeed into you

n

me, especi

lly if the house belongs to you, you kno

, fo

p

ope

ty t

x

e

sons, foll kinds of

e

sons

nd so, I

ecommend th

t, th

t you do th

t.

nd I

ecommend you do it soone

th

n l

te

. Bec

use, you kno

, the

e could be

n issue

ith

sibling, the

e could be

n issue

ith

mo

tg

ge. I me

n, so m

ny things c

n pop up,

nd you just

nt to secu

e you

self.

shley

od

iguez : 3:18 Yes. So

h

t h

ppens if the

e still is

mo

tg

ge on the house?

ox

nne Ghob

i

l : 3:22

If the

e is

mo

tg

ge, then I think it

ould be best most of the time to get

p

ob

te

tto

ney bec

use, you kno

,

ssuming the mo

tg

ge isn't in you

n

me,

ssuming the mo

tg

ge is in someone else’s n

me. It's not likely th

t the mo

tg

ge comp

ny is going to t

lk to you

ithout some type of leg

l p

peo

k th

t sho

s th

t they h

ve

utho

ity to t

lk to you.

nd you kno

,

lot of times th

t's just gonn

involve some type of p

ob

te p

oceeding.

nd of cou

se, you don't nt the p

yments to go into def

ult, bec

use then you might be looking

t fo

eclosu

e.

shley

od

iguez : 4:00

Ye

h. H

ve you eve

h

d like

n issue

he

e siblings don't

g

ee on selling it o

keeping it?

ox

nne Ghob

i

l : 4:09

Yes, I h

ve de

lt

ith th

t th

oughout the yes.

nd in so m

ny situ

tions, you kno

, sometimes they

ll

nt to sell sometimes they

ll nt to keep it

nd then sometimes the ones living the

e,

nd the ones

ho e not living the

e,

nt it sold, but the one

ho lives the

e

nts to keep it.

nd so then th

t situ

tion c

n get

little sticky. You kno

, if the

e's

mo

tg

ge,

ho's gonn

p

y the mo

tg

ge, you kno

,

ho's gonn

p

y the p

ope

ty t

xes,

ho's gonn

p

y fo

the upkeep, you kno

, th

t th

t gets the

e c

n be some f

iction. The

e c

n be some uncomfo

t

ble feelings bet

een siblings

hen those things h

ppen,

nd th

t is kind of th

t l

st thing you nt

t th

t time, you kno

.

ight

nd then you

g

ieving

nd it's just, it's just st

essful.

nd, you kno

, usu

lly

hen

n

tto

ney gets involved

nd lette

s stt getting sent out, you kno

, m

ybe

f

mily meeting

nd things c

n get situ

ted

ith Spk, but sometimes it doesn't.

shley

od

iguez : 5:14

So ho

ould th

t go? Like, if like, you don't, the

e’s no

ill.

nd so then you kind of just get stuck

ith th

t little sibling

iv

l

y

nd you’

e like,

h

t do I do? The

e’s no

ill like, ho

do I, ho

do I p

otect like I’ve been living he

e fo

15 ye

s?

ox

nne Ghob

i

l : 5:32

ell, if the

e’s not

ill,

nd if the

e’s some dis

g

eements

bout

h

t to do,

ith, fo

ex

mple, the home I

ould definitely

ecommend

t le

st spe

king to

n

tto

ney, bec

use, you kno

, you’

e gonn

h

ve to look

t title you’

e gonn

h

ve to look

t, you kno

,

ho h

ve

h

t inte

est in this p

ope

ty bec

use if it's

blended f

mily,

ith the House pu

ch

sed by you

mothe

befo

e she m

ied you

stepf

the

, you kno

, vice ve

s

. Did they buy it togethe

? Yes. It m

y not even belong to if you h

ve

stepb

othe

living in the house, but it

s you

mom's house befo

e you

mom m

ied his d

d. Ye

h, it m

y be you

mom sep

te p

ope

ty. So it doesn't even belong to this pe

son, isn’t it?

shley

od

iguez : 6:25 Ye

h.

ox

nne Ghob

i

l : 6:27

So it c

n get t

icky, especi

lly

ith blended f

milies.

shley

od

iguez : 6:30

Ye

h.

h

t else like

e do find

ill

nd it's like 30 yes old. They They even m

de it even befo

e she got

em

ied.

ox

nne Ghob

i

l : 6:40 O

befo

e, you kno

,

shley

od

iguez : 6:42 she h

d kids.

ox

nne Ghob

i

l : 6:44

You kno

, ye

h, st

ted h

ving child

en. You kno

,

nd it h

ppens

nd

lyeould just need to look

t the

ill

nd if it complies

ith Tex

s l

, g

e

t. I h

ve p

ob

ted m

ny, m

ny

ills. Th

t

e

e ve

y, ve

y old.

lot of them

e

e not even executed in Tex

s, bec

use people kno

lot.

nd

g

in,

long

s it meets some b

sic

equi

ements. It should be ve

y do

ble, ve

y p

ofit

ble. But it needs to be looked

t. Yes. So

nd it's usu

lly like, nine times out of 10 it’s usu

lly

lot less expensive. The

e's ill.

shley

od

iguez : 7:27

Hmm. So ho

ould someone go

bout like, cuz I think

lot of people don’t think

bout it, like, especi

lly younge

people, you kno

, I’m only 34. So I don’t I h

ven't

e

lly thought

bout it

lot,

e

lly. But I do h

ve it no

. I'm

ecently

single mom. So hoould I go

bout p

otecting myself

nd my kids? I’m like,

ell, I don't h

ve

lot of

ssets like I h

ve gudi

nship set up. But I me

n,

ox

nne Ghob

i

l : 7:52 g

e

t.

shley

od

iguez : 7:53

h

t is you kno

one of those things fo

people to p

otect themselves fo

the unexpected.

ox

nne Ghob

i

l : 7:58

ell, in you

situ

tion,

hich I think is

ve

y common situ

tion.

nd so it

pplies to m

ny people these d

ys.

h

tevessets you you do h

ve, if you c

n stt

file, h

ve

t

usted pe

son, you

lye

, you

best f

iend, you

mom,

hoeve

you t

ust, you just kno

he

e you

file is so th

t they kno

numbe

one,

he

e to go if something h

ppens to you, th

t they knohe

e you

info

m

tion is

t. So th

t's numbe

one. Numbe

t

o, you mentioned gu

di

nship, you h

ve mino

child

en, th

t th

t’s g

e

t th

t you h

ve some p

peo

k design

ting

gu

di

n fo

you

child

en. If you

child

en

e, fo

ex

mple, olde

nd you just h

ve, fo

ex

mple,

house

nd some b

nk

ccounts, you kno

, the

e's

possibility

he

e you don’t even need

ill. You could just st

t design

ting beneficiies. Tex

s h

s something g

e

t no

it’s c

lled

t

nsfe

on de

th deed.

nd th

t h

s been utilized

lot. Especi

lly let's s

y you don’t h

ve mo

tg

ge, you h

ve

house. If you file

t

nsfe

on de

th deed, then it is

h

t it s

ys it is it tnsfe

s on you

de

th.

nd so the

e’s just

lot of,

nd

g

in, I’m just being gene

l. But yes, I enjoy t

lking to people

bout thei

situ

tion. No

, I believe eve

yone h

s

unique situ

tion,

nd t

lking

bout

h

t thei

desi

es

e, you kno

,

h

t do you nt?

h

t do you nt to h

ppen?

nd then just going ove

options, bec

use

e h

ve lots of options.

shley

od

iguez : 9:45

Yes. So

e t

lked

bout this 30 ye old

ill

ould you

ecommend th

t you need to

evisit th

t eve

y 10 ye

s o

is it m

jo

life ch

nges, you kno

, bec

use people I think even if they do it, it’s one of those things one

nd done

nd then

lot c

n ch

nge.

ox

nne Ghob

i

l : 10:00 I

g

ee it's usu

lly it’s usu

lly one

nd done.

nd so I do

ecommend m

jo

life ch

nges, check checking in

ith you

lye

just just to see if

ny ls h

ve ch

nged. You kno

, definitely buy eve

y 10 yes. I me

n, just pull it out to numbe

one, m

ke su

e you knohe

e it is. Numbe

t

o,

emind you

self

h

t it s

ys. So, so good. Yes, you'

e ex

ctly

ight. m

jo

life ch

nges, you kno

, minimum once eve

y 10 yes, m

ybe once eve

y five yes is bette

.. Eve

y ye, ok

y. I me

n, I h

ve if people follo

me nt to go ove

the

e, the

e

ill, I'm h

ppy to. I think it’s g

e

t.

shley

od

iguez : 10:53 So let's s

y

h

t

bout like b

nks

nd tnsfeing money

fte

you kno

, most people h

ve tons of b

nk

ccounts

nd so I,

ell they just tnsfe

it

h

t if

b

nk

on't t

lk to you?

h

t do you do in those situ

tions?

ox

nne Ghob

i

l : 11:09 Let's s

y you

mothe

o

you

f

the

p

ssed

y,

nd they've design

ted you

s

benefici

y, on the b

nk

ccount. Gene

lly, th

t's

n e

sy p

ocess.

ssuming eve

ything’s in o

de

,

nd you h

ve the de

th ce

tific

te

nd th

t kind of thing. If you go to

b

nk,

nd you’

e just hitting

ll, they’

e not t

lking to you.

lot of times th

t me

ns eithe

the

e's not

benefici

y design

ted o

it m

y not be the pe

son you thought it

s. So it’s if you spe

k

ith

n

tto

ney

nd the

tto

ney should be

ble to guide you in th

t situ

tion. It m

y

equi

e

p

ob

te p

oceeding th

ough cou

t.

nd

hen you o

igin

lly

sked me you knoh

t th

t s

s it involves diffe

ent things fo

diffe

ent situ

tions. But ultim

tely, if you do go to cou

t

nd open up

p

ob

te p

oceeding, the m

in pu

pose genelly is to

eceive cou

t document

tion,

hich

llo

s you to communic

te

ith the mo

tg

ge comp

ny

ith the fin

nci

l institution, you kno

,

ith this comp

ny

ith th

t comp

ny.

nd so th

t's, th

t’s one of the m

in

e

sons th

t people go th

ough p

ob

te it en

bles them to communic

te

nd h

ve

ccess to

ssets.

shley

od

iguez : 12:35

Ye

h, especi

lly if someone h

dn't looked

t th

t

ill in 30 ye

s.

ight.

nd ultim

tely, if someone did ill, you kno

,

e nt to fulfill thei

thei

ishes. So

h

t is the numbe

one tip th

t you

ould give

nyone to pl

n fo

thei

, you kno

, the ultim

te, you kno

,

e don't nt to think

bout but you kno

,

h

t h

ppens? So

h

t

ould be th

tnumbe

one tip th

t you

ould give someone.

ox

nne Ghob

i

l : 13:04 I

ecommend someone, if you h

ve,

hethe

you h

ve

c

nd $500 in

b

nk

ccount, you kno

, o

, you kno

, 500 c

s th

t you knond millions in

b

nk

ccount, I

ecommend, do spe

k

ith

n

tto

ney

nd kno

ledge

ble

tto

ney

bout

h

t you

ould like to h

ppen du

ing ce

t

in situ

tions in you

life.

nd if someone h

s

c

nd $500 in thei

b

nk

ccount, m

ybe they don't need ell, m

ybe they just need to h

ve

benefici

y on thei

b

nk

ccount.

nd then m

ybe someone the

e. Thei

life is just ve

y complic

ted. They h

ve lots of mo

tg

ges, they h

ve lo

ns, they h

ve this

nd th

t

he

e it's just necessy to h

ve th

t cou

t p

peo

k

hen they p

ss

y to communic

te

ith you kno

,

ll diffe

ent institutions. So it’s just you

situ

tion, eve

yone's situ

tion is ve

y diffe

ent. It’s best to t

lk to

kno

ledge

ble

tto

ney to get it

ight fo

you

loved ones. So th

t it’s not just

big mess. I me

n, im

gine someone o

ns

est

unt, you kno

, o

, you kno

, some type of comp

ny

he

e you h

ve employees,

nd then the o

ne

p

sses

y

nd nothing’s in pl

ce. It's ext

emely, ext

emely st

essful.

nd then, you kno

,

h

t

bout the employees?

nd

h

t

bout the business

ccounts ve

sus the pe

son

l

ccounts?

shley

od

iguez : 14:30 Ye

h,

nd it's just th

t thing of like p

otecting you

loved ones, bec

use they'

e

l

e

dy going to be g

ieving

nd going th

ough so much.

ox

nne Ghob

i

l : 14:36

Ex

ctly, ex

ctly. They’

e going to be g

ieving.

e neve

kno

h

t's going to h

ppen. d

y to d

y, minute to minute.

shley

od

iguez : 14:45 Ex

ctly, especi

lly the

o

ld

e’

e living in no

.

ox

nne Ghob

i

l : 14:48

ight. Ex

ctly. Ve

y t

ue.

shley

od

iguez : 14:51 So

ox

nne, if someone h

d questions

nd they nted to

e

ch out to you to t

lk

bout thei

unique situ

tion. Hoould they do th

t?

ox

nne Ghob

i

l : 15:02

They’

e

elcome to c

ll me. My office numbe

is 713 800 6800.

nd my l fi

m is the Ghob

i

l l

fi

m

nd my

ebsite is

.Ghob

i

ll

.com. Th

t's GHOB

I

L l.com.

ell, th

t is g

e

t. So y'

ll definitely

e

ch out to

ox

nne if you h

ve

ny questions

nd, you kno

, pl

n fo

you

futu

e bec

use you neve

kno

h

t could h

ppen

nd th

nk you fo

listening. Ok

y, th

nk you so much,

shley.

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