I have a client who has been using his mother's checking account to pay his mother's bills. He is named as the beneficiary on the account. His question is whether his mother's creditors would have a claim against the funds in the account once she died since they were supposed to pass on her death to him. He's thinking it would have been better to simply not pay the bills and let the creditors try to get the funds. Seems like if you could deny creditors by simply using TOD and POD designations, everyone would do that. Am I missing something? Do creditors lose out if the debtor uses bene. designations on accounts? Linda M. Toga The Law Offices of Linda M. Toga, P.C. P.O. Box 575 Southold, New York 11971 631-444-5605 PLEASE BE ADVISED THAT EMAIL CAN BE UNRELIABLE AND WE CAN NOT GUARANTEE RECEIPT OF EMAILS SENT TO US. IF YOU DO NOT RECEIVE A RESPONSE TO YOUR EMAIL WITHIN 48 HOURS PLEASE TELEPHONE OUR OFFICE TO FOLLOW UP ON THE STATUS OF YOUR MESSAGE. Notice: This e-mail and any attachments may contain legally privileged and/or confidential information intended only for the named addressee(s). If you are not the intended recipient of this e-mail, please be advised that any dissemination, distribution or copying of this e-mail and attachments is prohibited. If you have received this e-mail in error please immediately notify the sender and permanently delete this e-mail and any attachments and destroy any printouts.