Thank you for ur explanation. I, too, am in the same boat! My dad froze to death of the front porch of his home in Jan 2014. There will be no estate filed because he actually lived in a home that his father in law built back in the 30’s and this home is being passed down through the generations and his name was NEVER on the home. My name was on his checking account and the utility bills are automatically deducted from that.. …There is NOTHING else except furniture inside the house that I intend to sell. I surely will NOT respond to these idiots at dcm.