You walked out of the courthouse with letters of guardianship signed by a judge. The bank told you they won’t honor them. This happens constantly, and the fix is not a better phone number.
In this episode, my partner Jill Ginsberg walks through what happens when financial institutions stonewall a guardian, personal representative, or agent under a power of attorney. She lays out the statutes with teeth, the escalation path she actually uses when a branch refuses to move, and the drafting choice that puts a four-day clock on the bank before you ever need a courtroom.
- Why the branch nice-lady script is not a legal position
- Section 709.2120 and the four-day acceptance window for a power of attorney
- Escalating from the branch to the institution’s legal department
- Using section 69.031 to designate a depository and eliminate the bank’s liability excuse
- Why a guardian who documents every request gets patience from the guardianship court
Authority on paper is real. Courts will enforce it. The better plan is the one that never needs enforcing.