My dad died his life insurance was not updated since 1992, and I wasn’t born till 1997. I contested and an Interpleader action permitted. HELP Im only 27 years old.

My dad died almost 2 years ago late winter 2023. I was only 25 years old when he passed away… after his passing I was left to settle his estate. Cover cremation fees, Plan his funeral/wake, while paying his mortgage, water bills etc.. till I could sell his home which needed repairs. I also took in his senior dog (who I love dearly) that needed vet care- which I also paid for. Not many SINGLE 25 year olds could keep their heads above water if they were in my shoes I was blessed to have recently taken on a travel "nurse" type job that paid well enough for me to pay all his bills ontop of my own. I am the personal representative of his estate and his only sole heir

MAIN PROBLEM: my father Took out a life insurance policy in 1992- I'm assuming it was offered by his company when he started there… My father had four people listed on this policy.. his parents who dided 10+ years ago, and his two sisters. It is extremely odd to have this many people listed… he just listed whoever he was close to at the time- he had not met my mother till a few years later, and I was not born till 1997… he didnt update it when he retired- they either didnt remind him to uodate it or he ignored the mail as he was very ill due to chornic COPD and alcoholic dementia…

Since one sister was listed first she is the only one who can sign off off on the life insurance to claim it… SISTER # 1 SISTER #1 does not want to sign off & collect it because shes afraid of the government (long story)… so I protested the claim and they told me all I had to do was write something on paper and have my aunt sign it in front of a notary… so I did just that- after MONTHS of her ignoring my phone calls. I finally got her to sign this paper… AFTER SHE SIGNS IN FRONT OF MY NOTARY… Low and behold !!! the life insurance company sends a packet (a more formal paper to have her sign off on) it took me months of calling the LIFE INS COMPANY and them telling me just to write something-& that "it doesnt have to be formal" "just notarized" !!! for them to send me this packet!!! I had been dealing with this fiasco for monthS. They royally screwed me.

MAIN QUESTION: I have attached the interpleader action and am curious how much it would cost to take this to court and what kind of court I need to bring it to. Max and minimum a lawyer would charge me? Also my uncle is a civil lawyer, and my neighbor is a bankruptcy lawyer andestate planning lawyer… I have talked to them a little haven’t been able to give me much guidance… as this is a life insurance matter.

His sisters feel oddly entitled to this money, and at first I agreed to split/share with then, but this has all gone unsolved for too long and they have caused me so much grief- they have even uninvited me from family weddings and events. One of my cousins kept telling his mom (sister 2) , “just take the money (Insert my name) has enough…” if this was his child he would feel much differently…

I want to put money away for sister 1’s kid since he is autistic – and in & out of group homes. I would love to invest the money, as i have been doing with other funds that I have received from my father, to build him a trust of some sort. I have told sister 1 this but she is ignoring my phone calls and texts (Im just asking how shes doing not even bringing up money in these messages). I could have doubled this money with help of my financial advisors but its just sitting in the hands of the life insurance company.

Mind you this policy was suppose to be my first line of financial relief to cover all that comes with dying… my father had some money set aside but it wasnt easy to access, so I didnt see it till the summer of 2023.

The family wont talk to me over this- I just want to put my fathers traumatic death & all the pain and drama his sisters have caused me in the past. If the roles were reversed he would never do this to their children- I am my fathers only child. I took care of everything financially without a second thought… My father would never 1- take this money from their children and 2- would never isolate his niece over the situation at hand.

I have been so gentle and kind since I know they are grieving too, I only begged for them to sign off due to the financial pinch I was put in after his passing in the summer of 2023, but since then I have given up and feel so defeated. At the end of the day my heart truly is in the right place but Im tired.

Thank you for reading this if you took the time.

submitted by /u/Eastern-Cup-6655
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