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If you owned the account jointly with another person or named a beneficiary, the account will pass to that person. This is true even if you did not have a will. Bank accounts and certain other assets with joint owners or designated beneficiaries are transferred outside of the probate process.

Provide the beneficiary's name, date of birth, address, phone number and SSN*. A form will be created with this information and mailed to you. After you get the form, review it for accuracy.

The bank will likely ask you to provide a copy of the death certificate and your personal identification. Furthermore, not many reasons exist that would cause you to send money into a deceased person's bank account. As such, we don't recommend sending money to a deceased person's account, even if you can.

To claim the account's money, the beneficiary has to show up at the bank with proof of identity and a certified copy of the account holder's death certificate. Sometimes, the beneficiary fills out a form to receive the funds by transfer, check, or wire.

Maryland is a consumer-friendly state. The statute of limitations allows a creditor three years to collect on debts. That's a shorter timeframe than many states. There also are limits on how long a debt collector has to collect on a debt.

The Maryland Fair Debt Collection Act prohibits debt collectors and creditors from engaging in deceptive, threatening, or other abusive collection behavior. In Maryland, the federal Fair Debt Collection Practices Act (FDCPA) and state law regulate debt collectors.