Although your post is almost a year old. I wish to add my reply due to the subject matter that is common to many. Estate Recovery is a Civil Law legal process, which is used, to recover debt owed. This Civil Law is applied by Mortgage Banks, Credit Unions providing mortgages for Homes and Land Properties, All Government Taxation unpaid, All Government Housing Programs that require mortgage finance repayment, This includes VA Home Mortgages. All Personal Injury Claims not covered by an insurance policy. Extreme Medical cost lapsed in payment schedule of co - pays. Cause of Bankruptcy, Some Estate Wills and Trust proceedings. Some Final Burial cost recovery proceedings. Here is a suggestion to consider: If you are 50 years old or older, Discretionary Spending should be replaced with Discretionary Saving of currency. Plan and Preparedness for a 6 month to a year of household expenses savings. Paid Final Burial location and marker. Once this is procured, Then spend on life's pleasure's!
