Most people think of probate (the process of collecting, managing, and distributing a deceased
person’s money and property) as a private process. However, because probate involves the court
system, most filings become a matter of public record. That means your nosy neighbor (let’s call her
“Nellie”) can simply go to the courthouse or hop online to learn all about your probate estate, including
what is in your will, who will inherit from you and how, as well as information about the accounts and
property passing through probate and their values.
Not Just Nellie Has Access . . .

After a death, most states require whoever has possession of the deceased person’s will to file it with
the probate court within a specified time period—even if there will not be any probate court
proceedings. While Nellie may be an annoyance and have no reason to view the information other
than curiosity, others can access your public records and potentially make your beneficiaries’ lives
miserable:
● Financial predators. While today’s digital world is convenient, it is also dangerous. Financial
predators can find ways to access sensitive personal information online and then can claim the
decedent owed them money, submitting fake invoices or demands for payment to the executor
of the estate. Since courts are part of a bureaucratic process that often moves at a glacial
pace, months can elapse before anyone realizes that your beneficiaries have been swindled.
● Charities. Even the most well-meaning charities can become annoying when money passes
through probate. This is especially common when charities contact beneficiaries and pressure
them to “do the right thing” with their inheritance by making donations in honor of their loved
one.
● Will challengers. Since a will filed with the probate court becomes part of the public record,
people who believe they have an interest (whether valid or invalid) in your estate can access
the document and potentially challenge the will. This can result in added costs and time as
your loved ones defend against what may amount to a frivolous claim.
● Aggressive salespeople. Some insurance agents, financial advisors, or real estate agents
track probate filings to target vulnerable beneficiaries to persuade them to buy financial
products or sell inherited property below market value.
Avoid the “Nosy Nellie” Factor with a Trust
Trusts are not typically filed with the court unless someone challenges them—and sometimes not
even then. Most people’s trust documents will never be sent to the probate court and will never be
available to anyone other than the individuals and charities named as beneficiaries in the trust. Unlike
a probate estate, courts are generally uninvolved in the trust administration process. If you want to
protect your privacy and avoid intrusions from busybodies and predators, consider creating a trust. It is
one of the most effective ways to keep your legal and financial affairs private from everyone not
directly involved.
Contact Tina M. James, Esq. today to create a trust to help avoid probate and keep your family and

financial affairs private.