I am almost (I think) done dealing with the aftermath Kramer’s death…not the emotional grieving part obviously, but the government, paperwork type stuff. I had thought I was done midsummer after I dealt with the bills (except the hospital), insurance and retirement. I wasn’t. Unbelievably, I had the hardest one to deal with this month. Here’s the story…
The registration for our pick up always comes due in September. So in August I got the bill in the mail and immediately sent a check and paperwork to get them renewed. Well a few days later I got a call from the DMV at the courthouse. They said I needed to come in. I had to have the title and a death certificate for Kramer.
I thought that was weird. We are both listed on the registration. But I know nothing about all of this so I scrounged around and located the title and got the death certificate.
My next problem it’s open 8-4 Monday through Friday. UGH. Those hours don’t work for me. So I tried to coordinate with Kelli or Kalissa to see if they would finish up childcare for me one day. Finally one day when I was going to Lacrosse, Kalissa came earlier than needed and I stopped on my way.
After getting help and some time with the clerk I found out I had the wrong title for the pickup. This was an old title. Apparently we, at some point, used the truck as collateral and the bank had the title. UGH..Now I have to deal with the bank. It peeved me as the guy could look up and see the title but I had to go home, find the title and come back again. It was so hard to get there in the first place. Blah.
So as I started driving to Lacrosse I called the bank. I still owe some on the house but not so much that the bank needed the title of the pickup to secure the loan so I was going to ask the bank if they could get the title back to me. I did and then explained that I would be out of service for my phone so they could message me when they found it.
I got to Lacrosse. The bank had messaged me. No. They didn’t have the title. CRAP. Then where was it??
Once home I looked in the usual places. No truck title. Then I decided it must be in the safe deposit box. Again…a few days passed until I could coordinate with Kelli so I could get to the bank during business hours so I could get into the safety deposit box. Nope. No title in the safe deposit box. This is getting ridiculous.
So…I called the bank again and asked them to do a thorough search. I asked that if they didn’t have the title, that they sign a paper that states that they are not holding it for collateral. I told them that it might be located with the house note.
Thankfully two of my childcare moms work at the bank and do a great job watching out for me. I told one of the moms how frustrating this was for me and she said she’d make sure she’d do what she could (not they aren’t helpful for anyone ), but I knew she really would look.
By the end of business day, the title was located. Then I asked if my childcare mom could bring it to my house when she came to pick up or else I would have had to coordinate again with Kelli or Kalissa to get to the bank again during business hours. AHH…it so hard when places don’t have business hours conducive to my childcare hours.
So with title in hand…and death certificate and the previous paper, I coordinated with Kelli to watch the childcare kids so I could get back to the DMV at the courthouse and get this all taken care of. In the end, I had to “sell” the truck and “buy” the truck so I was the sole owner. AHH. It was dumb and such a hassle.
The story doesn’t end there….Our property taxes were also due in September. So I called to the courthouse to ask about that. I was sure I was going to have to go in and do the same dumb thing only this time with the house instead of the truck, after all, the house is in both of our names.
I called and asked…do I need to come in? Do I need a death certificate? What were their hours?
The lady on the other end of the phone was dumbfounded by my questions. She said, “Why would you think that?”
I went on to explain all the trouble I had getting the registration for the pick up. She told me it was my business who was on the deed to the property. They didn’t care if Kramer’s name was still on the deed and if I didn’t want it on the deed I could get a lawyer to take it off. All they cared about was if I paid my property taxes.
She actually made me feel really stupid for asking.
Does that make sense to anyone? Wouldn’t you think it’s more important that I’m listed as the sole owner of the house vs the sole owner of the pickup. I think it’s downright ridiculous.
Anyway…Now I think I’m done with the paperwork side of death…what a time of it it’s been. My personal advice is to make a list and tackle one thing at a time. That list can really be daunting if you try to do it all at once. In a way I’m so thankful that Kramer went first. He would have hated all of this. To be truthful. I think he would have ran the truck without an updated registration. He hated any kind of paperwork and running around that getting things figured out involved.
On a side note. We were asked at the funeral home how many death certificates we wanted. They went on to explain that many places, life insurance, retirement, bank, and such places wanted a death certificate. They suggested getting a few copies. $30 each. I ended up telling them to get me three. In the end, I only needed one. Most places need to see the original and make a copy in their office to keep. Just thought I’d let you know so you can save yourself the extra money.
Did I mention I too hate paperwork crap like this??? Like I said…I think this is the last thing. I hate saying that as something might jump yet. I don’t want to jinx anything.