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Hey, I am getting involved in my mom's estate. She's 74 years old, and her husband is 77 years old.

They are both retired, and they live on an income between Social Security and retirement of about $47,000 a year.

My mom had inherited from her sister on a payable upon death account a fairly decent amount

of money that she spent, like, within a month before a family member contested the will.

And 10 years later, my mom is being forced to pay that money back to the tune of $160,000.

And my mom is not in the position.

They own their house free and clear, but I'm not sure exactly how to navigate this next step.

They're charging her with embezzlement because she has not paid this money back.

So she can either go to jail or somehow if we can come up with some fallible financial plan.

So she's in credit card debt to the tune about $125,000,

so she does not qualify to put a loan against her house,

which is probably around $250,000 value.

I'm confused how she lost this.

Yeah, exactly.

Payable on death is a simple thing.

It is, but it...

Unless she fraudulently did a transaction, there shouldn't be any criminal involved.

The will...

The will does not supersede payable on death.

Well, according to the courts and the lawyers that we've had, which I'm not saying they were

quality lawyers at this point.

...