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There is no obligation to do this but it’s advisable since the personal representative is responsible for settling all debts and if any are omitted, it could be costly. Senior woman looks at documents. What Happens To Bank Account When Someone Dies Without Beneficiary is The Law Firm Of Steven F. Bliss Esq. 3914 Murphy Canyon Rd Suite A202, San Diego, CA 92123 California lets you register stocks and bonds in transfer-on-death (TOD) form.

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