Jack of Harts

Mom and I planned for a lot of things in the last few months. I bought her house and paid off the mortgage so if she lived she would never have another house payment to make in her life. We got me added as a joint-owner to all of her checking and savings accounts so I could pay her bills while she was in the hospital. I’ve paid off many of her debts, and really brought her down to owing very little in the grand scheme of things. I was planning to use one of the accounts to pay her cremation costs, but I just lost access to it. It seems she had a personal loan at that bank, so they locked all the funds in her accounts in that bank down to cover as much of the loan as possible. That was not what I wanted to find out today. It isn’t a full disaster. I have the money to pay the funeral home in another joint account, but I really wanted to keep that account in reserve for a while longer to handle surprise expenses.