Our firm handles the estate planning side. We do not practice immigration law, so for those questions we routinely refer clients to a dedicated immigration attorney. This article explains where the two fields meet and why owning Florida property as a non-citizen calls for both.

Estate Tax Exposure Looks Different for Non-Citizens

Federal estate tax treatment depends heavily on whether you are a U.S. citizen, a resident for tax purposes, or a non-resident alien. A non-resident alien who owns Florida real estate is subject to U.S. estate tax on that “U.S.-situs” property, and the exemption available is dramatically smaller than the one citizens and residents enjoy. A waterfront home that seemed like a straightforward purchase can become a sizable taxable estate the moment the owner passes away. The right ownership structure — sometimes through a trust or other planning vehicle — should be evaluated before a problem arises, not after.

The Non-Citizen Spouse and the QDOT Trap

One of the most common and costly surprises involves married couples. The unlimited marital deduction normally lets one spouse leave assets to the other free of federal estate tax. That deduction does not automatically apply when the surviving spouse is not a U.S. citizen. To preserve the benefit, the assets generally must pass through a Qualified Domestic Trust (QDOT), which carries strict requirements about trustees and distributions.

This is precisely where estate and immigration planning intersect. If the surviving spouse is pursuing naturalization, becoming a citizen before certain deadlines can change the analysis entirely. Couples in this situation benefit from coordinating their Florida estate documents with their immigration timeline, and we often suggest pairing our work with an immigration attorney who can advise on marriage-based green cards and the path to citizenship.

Florida Homestead, Wills, and Trusts Still Apply

Citizenship does not change the fundamentals of Florida law. Your primary residence may qualify for Florida’s constitutional homestead protections, which affect creditor exposure and how the property can pass at death — rules that can override what your will says, especially when a spouse or minor children are involved. A valid Florida will must meet the execution formalities of §732.502, including signing in the presence of two witnesses. Revocable and irrevocable trusts are governed by the Florida Trust Code, Chapter 736, and are frequently used to avoid probate, manage situs property, and structure QDOT arrangements. Foreign owners who rely on a will or trust drafted in their home country often find it does not satisfy Florida requirements.

Beneficiaries, Children, and Immigration Status

Who inherits, and how, can be shaped by immigration realities. Naming beneficiaries who live abroad, or who are themselves in the middle of an immigration process, raises practical questions about distribution and tax reporting. For families with minor children, a guardianship designation in your estate documents is essential — but if the parents are non-citizens, you should think carefully about who would care for your children, where, and whether that caregiver’s own status allows it. These choices deserve input from both an estate attorney and immigration counsel so the plan holds together.

Powers of Attorney for Clients Traveling Abroad

Immigration matters frequently require travel — consular interviews, biometrics appointments, or extended time in your home country while a case is pending. A durable power of attorney and a health care surrogate let someone you trust handle financial and medical decisions in Florida while you are overseas. We have seen deals stall and bills go unpaid simply because an owner was abroad for a visa appointment with no one authorized to act. Building these documents around your travel and USCIS case strategy keeps your affairs moving even when you cannot be here in person.

Why Newcomers Need Both

An estate plan tells Florida what happens to your property and your family. Your immigration status governs how — and sometimes whether — those instructions can be carried out, and at what tax cost. Coordinating the two from the start avoids QDOT surprises, homestead missteps, and last-minute scrambles. If you own property in West Palm Beach and are not yet a U.S. citizen, we can build the Florida side of your plan and connect you with trusted immigration counsel for the rest.

What is probate, exactly?

Probate is the court-supervised process of settling a deceased person’s estate. In Palm Beach County, it runs through the Probate Division of the Circuit Court. Governed by Chapters 731-735 of the Florida Probate Code, probate validates the will, appoints a personal representative, notifies creditors, pays debts and any taxes, and distributes what remains. Florida offers two main paths: summary administration for smaller or older estates and formal administration for larger or more complex ones.

What is trust administration?

Trust administration is the private, out-of-court process of settling a revocable living trust after the grantor dies, governed largely by Chapter 736 of the Florida Trust Code. A successor trustee steps in to gather assets, pay debts and expenses, handle tax matters, and distribute property to the trust’s beneficiaries, typically without ongoing court supervision. This is why many Palm Beach residents use revocable trusts as a planning tool.

Is trust administration always faster and cheaper?

Often, but not automatically. Avoiding court can reduce delay and certain costs, and it keeps matters private. However, the successor trustee still has serious fiduciary duties under Chapter 736: accounting to beneficiaries, dealing with creditors, and handling taxes. A poorly funded trust, family conflict, or unclear terms can make trust administration just as demanding as probate. And assets left out of the trust may still require probate.

What about privacy?

This is a meaningful difference. Probate filings are generally public records, so anyone can review the inventory and accountings at the Palm Beach County courthouse or clerk’s office. Trust administration usually stays private, with disclosures going to beneficiaries rather than the public. For families who value discretion, that privacy is a major draw.

Does a trust avoid all probate?

Only for assets actually titled in the trust. This is the most common Palm Beach mistake: a person signs a trust but never re-titles the home, brokerage account, or bank account into it. Those stray assets may still go through probate. Proper “funding” of the trust during life is essential. Some assets, like accounts with beneficiary designations or property held with survivorship, may pass outside both probate and the trust.

How does Florida homestead fit in?

Homestead is a special case in Palm Beach planning. The primary residence enjoys constitutional protection under Article X, Section 4, and its descent can be restricted when there is a surviving spouse or minor child. Whether to place homestead in a revocable trust requires care, because doing it incorrectly can affect creditor protection and how the property passes. This is a frequent topic for tailored advice.

Which is right for my family?

It depends on your goals, asset mix, and family situation. Some Palm Beach families rely on a simple will and summary administration; others benefit from a fully funded revocable trust to gain privacy and a smoother transition. Many estates involve both, with a trust for most assets and a “pour-over” will to catch anything left out.

The takeaway

Probate and trust administration both require diligence; the trust simply moves the work out of the courtroom when it is set up and funded correctly.

This article is general information, not legal advice. The choice between probate and trust planning depends on your specific facts. Consult a licensed Florida estate attorney serving Palm Beach to decide what fits your family.

I have watched families assume that probate is a paperwork formality, only to discover that a single unfiled creditor notice or an out-of-state heir’s signature has frozen everything for months. The frustrating part, for beneficiaries especially, is that the delay is often invisible. Money sits in an estate account while you wait, and nobody volunteers an explanation. Below is a candid walk through the reasons Florida probate slows down, drawn from the way these cases actually unfold in Palm Beach County and across the state.

The mandatory creditor claim period almost always sets the floor

Before anything else, beneficiaries should understand that Florida law builds a waiting period into formal administration that no one can shortcut. Under Florida Statutes Chapter 733, the personal representative must publish a Notice to Creditors and serve known or reasonably ascertainable creditors directly. Creditors then have a window to file claims: generally three months from the first publication date, or thirty days from being served, whichever is later.

That creditor period is the single most common reason an otherwise simple estate cannot distribute quickly. Even if there is no dispute, no missing heir, and no complicated asset, the personal representative is exposed if they hand out money before the claims window closes and a valid creditor surfaces. A careful attorney will not let distributions happen prematurely, because the personal representative can be held personally liable for paying beneficiaries ahead of legitimate creditors.

For beneficiaries, the practical takeaway is this: if you are three or four months into a formal probate and nothing has been distributed, that is not necessarily mismanagement. It may simply be the statute doing its job. The clock does not even start until the notice is published, so a personal representative who delays publication delays everyone. That is worth asking about.

Will contests and disputes among heirs

Nothing stops a Florida probate faster than a fight. A will contest, an objection to the personal representative’s appointment, or a quarrel over how property should be divided can convert a routine administration into litigation that lasts a year or more.

Contests typically arise on a handful of grounds:

• Lack of testamentary capacity — an argument that the decedent did not understand what they were signing.
• Undue influence — a claim that someone in a position of trust pressured the decedent into changing the will, often in their own favor.
• Improper execution — Florida requires a will to be signed by the testator and by two witnesses, all in each other’s presence; a defect here can invalidate the document.
• Fraud or a later will — a newer document surfaces, or a signature is challenged as forged.

Once a caveat or objection is filed, the court generally cannot distribute the contested assets until the dispute resolves. Discovery, depositions, and possibly mediation all take time. Even disputes that never reach a courtroom slow things down, because a cautious personal representative will hold distributions while the threat of litigation hangs over the estate. If you are a beneficiary on the receiving end of someone else’s challenge, your inheritance is effectively hostage to a fight you may not even be a party to.

Real estate, business interests, and hard-to-value assets

Estates that hold nothing but cash and brokerage accounts move quickly. Estates that hold a Palm Beach condo, a family home, a closely held business, or out-of-state property do not.

Real estate introduces several friction points at once. The property must be appraised, maintained, insured, and sometimes sold before the estate can close, and a sale runs on the buyer’s financing timeline, the inspection, and the closing calendar — none of which the estate controls. Homestead property adds its own layer: Florida’s constitutional homestead protections affect who inherits the residence and whether it even passes through probate, and resolving homestead status can require a separate court determination.

Business interests are slower still. Valuing a closely held company, untangling operating agreements, and finding a buyer or winding the entity down can take many months. The same is true of collectibles, intellectual property, mineral rights, or anything else that lacks a clean market price. Beneficiaries waiting on a distribution should recognize that the estate often cannot pay out in full until these assets are either liquidated or formally valued and assigned.

A slow, conflicted, or out-of-state personal representative

The personal representative — what other states call the executor — drives the entire process. When that person is disorganized, grieving, overwhelmed, or simply unmotivated, the estate stalls, and there is often no one watching closely enough to notice.

Common personal-representative bottlenecks include failing to publish the creditor notice promptly, sitting on the inventory, not responding to the attorney, or dragging out the final accounting. Sometimes the representative has a conflict of interest — they are also a beneficiary who benefits from delay, or they are quietly using estate assets. In those situations, Florida law gives interested parties, including beneficiaries, the right to petition the court to compel an accounting or to remove and replace the representative for breach of fiduciary duty.

If you are a beneficiary and your calls and emails go unanswered for weeks, you are not powerless. You have a statutory right to information about the estate, and a probate attorney can send a formal demand or, if necessary, ask the court to intervene. For a fuller comparison of how representative duties and proceeding types work in a related jurisdiction, Morgan Legal’s overview of the is a useful illustration of the same fiduciary mechanics that govern Florida administrations.

Missing documents, unknown heirs, and locating beneficiaries

Probate cannot proceed on guesswork. The court needs the original will, certified death certificates, accurate addresses for every beneficiary, and clear documentation of estate assets. Any gap creates delay.

The original will is a recurring problem. Florida courts strongly presume that if the original cannot be found, the testator destroyed it with intent to revoke, so when only a copy exists, the estate may have to litigate to admit it — a process that adds months. Missing or unlocatable heirs are another. If a beneficiary cannot be found, the personal representative may need to hire a search service or, in some cases, serve notice by publication before the estate can close.

Smaller paperwork issues compound quietly: a beneficiary who will not return a waiver, a foreign heir whose documents need translation or an apostille, a deed that was never properly recorded. None of these is dramatic on its own, but each one can add weeks, and they tend to arrive in clusters.

Taxes and the final accounting

Most Florida estates owe no state estate tax — Florida repealed its estate tax years ago — but tax issues still cause delays. The decedent’s final income tax return must be filed, and large estates may face federal estate tax obligations that require a return and, sometimes, a closing letter from the IRS before the personal representative is comfortable distributing.

Even without federal exposure, the estate often files a fiduciary income tax return if it earned income during administration. And before closing, the personal representative must prepare a final accounting and a plan of distribution, serve them on beneficiaries, and allow time for objections. A beneficiary who disputes the accounting can hold up the close. The choice between formal and summary administration also matters here — different probate paths carry different timelines and requirements, a distinction Morgan Legal explains well in its discussion of the .

Court backlog and procedural missteps

Finally, some delay is structural and has nothing to do with the family. Probate divisions in busy Florida counties carry heavy dockets, and getting a hearing on a contested matter can take weeks or months. Judges may sit on petitions, clerks may flag deficiencies, and an order you expected in days can arrive in a month.

Procedural mistakes by an inexperienced attorney or a pro se personal representative make this worse. A petition with the wrong attachments, a notice served incorrectly, or an accounting that does not conform to the rules gets bounced and has to be redone. Each round trip with the court costs real time. This is precisely where competent counsel earns its fee — not by speeding up the law, but by avoiding the self-inflicted delays that double a timeline.

What beneficiaries can actually do while waiting

You are not required to sit silently. A few concrete steps tend to move things:

1. Ask where the estate is in the process. Knowing whether the creditor period has closed tells you whether the delay is statutory or something else.
2. Request the inventory and accounting. As an interested person, you have a right to see what the estate holds and how it is being handled.
3. Watch for an unresponsive representative. Document your attempts to communicate; that record matters if you later need court intervention.
4. Get your own counsel. A beneficiary’s attorney can pressure-test the timeline and, when warranted, petition to compel distribution or remove a representative.

If you want to understand the broader machinery first, our overviews of Florida probate and wills and estate documents lay out the foundation. For perspective on how the same firm handles administrations on the Florida side, see Morgan Legal’s .

Delay in probate is rarely a single problem; it is usually a chain of small ones, each waiting on the last. The beneficiaries who get paid soonest are the ones who understand the chain and ask the right questions at the right time. If your distribution has stalled and no one will tell you why, that is a sign to look closer — and a good reason to speak with a Palm Beach probate attorney who can read the file and tell you exactly where things stand.

Frequently Asked Questions

How long does probate take in Florida?

An uncontested formal administration typically takes about six months to a year, largely because the mandatory creditor claim period under Florida Statutes Chapter 733 runs for at least three months after the Notice to Creditors is published. Estates involving will contests, real estate sales, business interests, or tax issues can take eighteen months or longer.

Why am I not getting my inheritance even though probate started months ago?

The most common reason is the creditor claim period: a personal representative who distributes before that window closes can be personally liable if a valid creditor appears, so a careful one will wait. Other holds include unresolved disputes, assets that have to be sold or appraised, missing paperwork, or a slow personal representative. You have the right to ask where the estate stands.

Can a beneficiary do anything to speed up Florida probate?

Yes. As an interested person you can request the inventory and accounting, ask whether the creditor period has closed, and document any failure by the personal representative to communicate. If the representative is unresponsive or breaching their duties, a probate attorney can petition the court to compel an accounting, compel distribution, or remove and replace the representative.

Does a will contest stop the entire estate from distributing?

It generally stops distribution of the contested assets, and often the whole estate, because a cautious personal representative will hold funds while litigation is pending. Contests on grounds like undue influence, lack of capacity, or improper execution involve discovery and sometimes mediation, which commonly adds a year or more to the timeline.

Does Florida charge an estate tax that delays probate?

Florida no longer imposes a state estate tax, so most estates avoid that delay. However, the decedent’s final income tax return, a possible estate fiduciary income tax return, and federal estate tax obligations for large estates can still slow the close, because the personal representative may wait for tax matters to clear before making final distributions.

That is the short version. If you are a beneficiary waiting on a distribution, the longer version is what actually matters to you, because the speed and smoothness of opening the estate sets the tone for everything that follows. Below is how the process really works in Palm Beach County and across Florida, written from the perspective of someone who has shepherded a lot of these cases through the Probate Division.

What “Opening” a Probate Estate Actually Means

People use the phrase loosely. Legally, opening an estate means three things have happened: a petition has been filed, the court has appointed someone to run the estate (the personal representative, what other states call the executor), and that person has received Letters of Administration. Those Letters are the magic document. Until they exist, no bank, brokerage, or title company will release a dime, no matter how clearly the will names the heirs.

So when a beneficiary asks me, “Why can’t the bank just give my dad’s account to me, the will says it’s mine?” the honest answer is that a will is only a set of instructions. It has no force until a Florida court validates it and empowers a fiduciary to carry it out. Opening the estate is how that authority gets created.

First, Figure Out Which Type of Probate You Need

Florida is not one-size-fits-all. Before you file anything, you have to know which procedure fits the estate, because it determines the forms, the cost, and the wait. There are three common paths.

• Formal administration — the full process under Chapter 733. Required for most estates that exceed the small-estate limits or that have ongoing matters, like a wrongful-death claim or a contested will. This is what people usually mean by “regular probate.”
• Summary administration — a faster, lighter track under Chapter 735. Available when the probate estate (excluding the homestead and other exempt property) is worth $75,000 or less, or when the decedent has been dead more than two years. No personal representative is appointed; the court enters an order distributing assets directly.
• Disposition without administration — a rarely-used, very narrow option for tiny estates where the only assets were spent on final expenses and a modest amount of exempt property.

For a beneficiary, the practical takeaway is this: summary administration can close in a matter of weeks, while formal administration almost always runs several months because of the mandatory creditor period. If someone tells you a $400,000 estate with a house can be wrapped up in two weeks, be skeptical.

A Quick Word on Assets That Skip Probate Entirely

Not everything goes through this process. Jointly titled real estate with rights of survivorship, “payable on death” bank accounts, life insurance with a named beneficiary, and retirement accounts with a valid beneficiary designation all pass outside probate. If most of the estate is structured that way, you may need to open a much smaller probate, or none at all. I have had clients arrive braced for a year-long ordeal only to learn that a single stray brokerage account is the only thing requiring administration.

Step-by-Step: How a Florida Probate Estate Gets Opened

1. Locate and deposit the original will. Florida law requires the custodian of a will to deposit the original with the clerk of court in the county of the decedent’s domicile, within 10 days of learning of the death (Fla. Stat. § 732.901). A photocopy is not good enough without a special, harder court proceeding. This is the single most common snag I see: the original is “somewhere,” and nobody can find it.
2. Determine venue. The case is filed in the circuit court of the county where the decedent was a permanent resident. For our clients, that is the Palm Beach County Probate Division. If the decedent lived out of state but owned Florida property, an ancillary administration may be filed here instead.
3. Retain an attorney (in formal administration, this is required). Under the Florida Probate Rules, a personal representative in a formal administration generally must be represented by a Florida-licensed lawyer, with very limited exceptions where the PR is the sole interested person. This is not a sales pitch; it is a rule.
4. File the petition for administration. This is the document that opens the estate. Governed by Fla. Stat. § 733.202 and Florida Probate Rule 5.200, it identifies the decedent, the beneficiaries, the proposed personal representative, the will, and an estimate of the estate’s value. The original will and a certified death certificate are filed alongside it.
5. Address the personal representative’s qualifications. Florida is strict about who can serve. A non-resident generally cannot be personal representative unless they are a close relative (spouse, child, parent, sibling, or certain others) under Fla. Stat. § 733.304. Felons are disqualified. The court may also require a bond unless the will waives it.
6. The court issues Letters of Administration. Once the judge signs the order admitting the will to probate and appointing the PR, the clerk issues Letters. The estate is now open and the PR can act.
7. Serve the Notice of Administration. Under Fla. Stat. § 733.212, the PR must serve formal notice on beneficiaries and other interested persons. This triggers a three-month window in which someone can object to the will’s validity, the PR’s qualifications, venue, or jurisdiction. If you are a beneficiary, read this notice carefully; your rights have deadlines.
8. Publish and serve the Notice to Creditors. The PR publishes notice in a local newspaper and serves known creditors. Creditors then have a limited period (generally three months from first publication, or 30 days from service) to file claims under Fla. Stat. § 733.702. This creditor period is the main reason formal administration cannot be rushed.

Only after the estate is open, the creditor period has run, and valid claims and taxes are handled can the personal representative actually distribute assets to beneficiaries. That sequencing frustrates a lot of heirs, but it exists to protect the estate, and ultimately the beneficiaries, from getting clawed back later by a creditor who was paid too late or not at all.

What a Beneficiary Should Be Watching For

Because this site is written for people waiting on a distribution, here is where I focus client attention once the estate is open.

• Did you actually receive the Notice of Administration? If not, the clock on your objection rights may not have started, but it also means you are out of the loop. Ask the PR or their attorney for it.
• Is there an inventory? Within 60 days of issuance of Letters, the PR must file an inventory of estate assets (Fla. Stat. § 733.604). As a beneficiary you are entitled to a copy. This is your first real look at what the estate holds.
• Is the personal representative communicating? Silence is the number-one source of probate disputes. A PR has a fiduciary duty to the beneficiaries. Stonewalling is not just rude; it can be a breach.
• Are there grounds for partial distribution? In longer estates, beneficiaries can sometimes request an interim distribution before final closing, especially when a large, clearly solvent estate is held up by one unresolved issue.

How Long Does It Take, and What Does It Cost?

A clean summary administration can be granted in a few weeks once everything is filed. A typical uncontested formal administration in Palm Beach County usually runs six to nine months, driven mostly by the creditor period and the time it takes to liquidate assets. Add a contested will, a real-estate sale, or an estate tax return, and a year or more is realistic.

Attorney’s fees in formal administration are addressed by Fla. Stat. § 733.6171, which sets out a presumptively reasonable fee schedule based on the size of the estate, though attorneys and personal representatives can agree to a different reasonable arrangement. The point is that fees are not a black box; the statute gives you a benchmark.

It is also worth saying plainly that probate friction is rarely about Florida’s rules and almost always about facts: a missing original will, a feuding family, an out-of-state PR, or assets nobody can locate. Many of the are the same whether the courthouse is in West Palm Beach or Manhattan, which is why working with attorneys who handle estates day in and day out tends to shorten the timeline rather than lengthen it.

When Opening the Estate Turns Into a Fight

Sometimes opening the estate is the spark. A relative shows up claiming the will is forged, or that the decedent was unduly influenced, or lacked capacity. Florida lets interested persons object during that three-month notice window, and a formal will contest can follow. The mechanics of vary by state, but the core grounds, lack of capacity, undue influence, improper execution, and fraud, are broadly similar. If you sense a contest brewing, get counsel involved before the objection deadline, not after.

For Florida-specific representation, our firm’s handles both the routine and the contested matters from filing through final distribution. You can also review our overview of Florida probate procedure or learn more about wills and estate planning if you are trying to prevent these headaches for your own heirs.

Bottom Line

Opening a probate estate in Florida is not mysterious, but it is sequential and unforgiving of shortcuts. File the petition, deposit the original will, get the personal representative appointed, secure the Letters of Administration, and respect the notice and creditor periods. Do those things in order and the estate runs on rails. Skip a step and you create exactly the kind of delay that keeps beneficiaries waiting. If you are stuck on any part of it, reach out to a Palm Beach probate attorney before small problems calcify into expensive ones.

Frequently Asked Questions

Who can open a probate estate in Florida?

Any “interested person” can petition to open an estate under Fla. Stat. § 733.202, including a beneficiary, the person named as personal representative in the will, a surviving spouse, or an heir. The court ultimately decides who serves as personal representative, and Florida restricts out-of-state individuals to close relatives of the decedent under Fla. Stat. § 733.304.

How long do I have to file probate after someone dies in Florida?

Florida does not impose a hard statute of limitations to open probate, but the custodian of the original will must deposit it with the clerk of court within 10 days of learning of the death (Fla. Stat. § 732.901). Waiting also creates practical problems: assets can be frozen, and creditor and tax issues do not resolve themselves. If the decedent has been dead more than two years, the estate may qualify for the faster summary administration regardless of its value.

Do I need a lawyer to open a probate estate in Florida?

For a formal administration, yes, in almost all cases. The Florida Probate Rules require the personal representative to be represented by a Florida-licensed attorney, with a narrow exception when the personal representative is the sole interested person. Some summary administrations can be handled without counsel, but most people still use an attorney to avoid filing errors that cause delay.

What is the difference between summary and formal administration?

Summary administration (Chapter 735) is a streamlined process for estates of $75,000 or less in non-exempt assets, or when the person has been dead more than two years; no personal representative is appointed and it can close quickly. Formal administration (Chapter 733) is the full process for larger or more complex estates, involves appointing a personal representative, and typically takes several months due to the mandatory creditor period.

As a beneficiary, when will I actually receive my distribution?

Not until the estate is opened, the creditor claim period has run (generally three months from first publication of the notice to creditors), and valid claims, expenses, and taxes are paid. In an uncontested formal administration that usually means roughly six to nine months. Beneficiaries are entitled to the estate inventory within 60 days of the Letters being issued, and in large, clearly solvent estates an interim partial distribution is sometimes possible before final closing.

If you are a beneficiary waiting on a distribution that never seems to arrive, you are not alone, and you are not powerless. Florida law gives heirs concrete rights and concrete deadlines. Understanding both is the difference between protecting your inheritance and watching it erode through delay, mismanagement, or outright misconduct.

Why Heirs End Up Fighting in the First Place

Family conflict over an estate rarely starts with greed. More often it starts with surprise. A child learns that a sibling was named personal representative and is now controlling the checkbook. A second spouse discovers the house was promised to stepchildren. A long-promised inheritance shrinks because the estate had debts nobody mentioned. The grief is real, and the money makes it sharper.

In my experience handling probate disputes in Palm Beach, the underlying causes tend to fall into a handful of recognizable patterns:

• Suspicious last-minute changes. A will or trust amended weeks before death, often favoring whoever was nearest the decedent in their final illness.
• A personal representative who goes quiet. Months pass with no accounting, no communication, and no distribution.
• Ambiguous or contradictory documents. An older will, a newer codicil, and a trust that don’t say the same thing.
• Allegations of undue influence. A caregiver, new partner, or one child appearing to have steered the decedent’s decisions.
• Disputes over specific assets. Jointly titled accounts, payable-on-death designations, or real estate that some heirs believe belongs in the estate and others say does not.

Each of these has a different legal remedy. The first step is always identifying which fight you are actually in.

Will Contests: Challenging the Validity of a Florida Will

A will contest asks the court to declare a will invalid, in whole or in part. Under Florida law, only an “interested person”—typically a beneficiary or an heir who would inherit if the will failed—has standing to bring one. You cannot challenge a will simply because you think the result is unfair.

Florida recognizes a limited set of legal grounds to invalidate a will:

1. Improper execution. Section 732.502, Florida Statutes, requires the testator to sign at the end of the will in the presence of two witnesses, who must also sign in the presence of the testator and each other. A document that fails these formalities is generally void.
2. Lack of testamentary capacity. The testator must have understood, in a general way, the nature and extent of their property, the people who would naturally inherit, and the effect of signing the will.
3. Undue influence. Someone in a position of trust overpowered the testator’s free will. Florida courts look at factors such as whether the influencer was present at execution, helped procure the will, or isolated the testator.
4. Fraud or duress. The testator was deceived about the document or coerced into signing it.
5. Mistake or forgery. The signature isn’t genuine, or the testator signed the wrong document.

Undue influence is the most litigated of these in Palm Beach probate, and Florida has developed a useful tool for beneficiaries: a presumption of undue influence. If a person who was a substantial beneficiary occupied a confidential relationship with the decedent and was active in procuring the will, the burden can shift to that person to prove the will was not the product of undue influence. The framework still traces back to the Florida Supreme Court’s decision in In re Estate of Carpenter, and it remains the backbone of these cases. Concepts like will contests and probate litigation play out very similarly in other states—our colleagues describe the New York version in their overview of —but the Florida statutory mechanics are what govern an estate administered here.

The Deadline That Catches Beneficiaries Off Guard

This is the part too many heirs miss. Once a will is admitted to probate and you receive formal notice of administration under Section 733.212, Florida Statutes, you generally have only three months to file an objection to the will’s validity or to the qualifications of the personal representative. Miss that window, and your challenge is usually barred forever. Three months passes quickly when a family is grieving. If something about the will troubles you, the clock has likely already started.

Holding a Personal Representative Accountable

Not every dispute is about the will itself. Often the document is valid, but the person administering the estate—the personal representative, what other states call an executor—is the problem. Florida imposes fiduciary duties on personal representatives under Section 733.602. They must act in the best interests of the estate and all interested persons, not just themselves.

Beneficiaries waiting on a distribution have real leverage when a personal representative falls short. A personal representative is required to file an inventory and, ultimately, a final accounting. If they refuse to communicate, fail to account, self-deal, or sit on estate assets, an interested person can petition the court to:

• Compel an accounting of every dollar that has come in and gone out;
• Surcharge the personal representative personally for losses caused by breach of duty;
• Remove the personal representative under Section 733.504 for grounds such as mismanagement, waste, or a conflict of interest;
• Require a bond or additional security to protect the assets that remain.

A frequent question I hear from beneficiaries is, “Can they just keep delaying forever?” The answer is no. Florida courts expect estates to be administered with reasonable diligence, and a personal representative who treats the estate as a personal bank account can be held financially responsible. If your distribution is overdue and the explanations have stopped making sense, that is exactly the kind of situation the court is there to fix.

Trust Disputes Run on a Parallel Track

Many Palm Beach families hold significant wealth in a revocable living trust rather than a probate estate. Trust disputes are governed by the Florida Trust Code in Chapter 736, and the issues mirror probate litigation: challenges to amendments, claims of undue influence over a trustee, demands for an accounting, and actions to remove a trustee who has breached duties. Trust beneficiaries have a statutory right to information and an annual accounting under Section 736.0813, which is often the single most effective tool for figuring out what actually happened to the money. Because the same individuals frequently serve as both personal representative and trustee, the two proceedings often advance side by side.

How Florida Estate Litigation Actually Unfolds

People imagine a dramatic courtroom showdown. The reality is more procedural and, frankly, more winnable through preparation. A typical contested matter moves through these stages:

1. Petition or objection. The dispute is formally opened—an objection to the will, a petition to remove a personal representative, or a petition for an accounting.
2. Discovery. This is where most cases are won or lost. Both sides exchange documents, take depositions, and subpoena medical records, bank statements, and the drafting attorney’s file. Undue influence and capacity cases live and die on this evidence.
3. Mediation. Florida courts strongly favor mediation, and most probate divisions in Palm Beach County will order it before trial. A large share of estate disputes settle here, which spares the family the cost and bitterness of trial.
4. Trial. If mediation fails, the probate judge—not a jury, in most probate matters—decides the outcome.

One financial reality worth understanding early: in many Florida estate disputes, attorney’s fees can be paid from the estate in appropriate circumstances, and fee-shifting provisions exist for certain claims. Whether that applies to your case depends on the specifics, but it means cost should not automatically scare a beneficiary away from asserting legitimate rights.

Practical Steps for Beneficiaries Awaiting Distribution

If you are waiting on an inheritance and growing uneasy, take these steps before the deadlines close in:

• Save everything. Keep the notice of administration, every email and letter from the personal representative, and any version of the will or trust you can locate.
• Note the dates. Write down when you received formal notice. Your objection deadline runs from that date.
• Request an accounting in writing. A reasonable request, documented, builds your record if the personal representative refuses.
• Resist the urge to confront family directly about the legal merits. Statements made in anger can complicate a later case.
• Talk to a Florida probate litigation attorney early. Even one consultation can tell you whether you have a claim and how much time remains to act.

Estate litigation is unavoidably personal, but it does not have to be self-destructive. The goal is to protect what the decedent intended and what the law guarantees you—nothing more, nothing less. If you want to understand the broader probate process your estate will travel through, our overview of Florida probate walks through each phase, and you can review how estate planning documents fit together on our wills page.

For families with ties to multiple states, comparing how probate operates elsewhere can be clarifying. Morgan Legal’s New York office explains how a single state can offer , while their Florida team handles local administration through their . The principles travel; the deadlines and statutes do not. When the estate is being administered in Palm Beach, Florida law controls, and Florida deadlines are unforgiving.

If your distribution is overdue or a will simply does not look right, do not wait for the situation to resolve itself. Contact a West Palm Beach probate attorney while you still have time to act.

Frequently Asked Questions

How long do I have to contest a will in Florida?

Once you receive formal notice of administration under Section 733.212, Florida Statutes, you generally have only three months to file an objection to the will’s validity or to the personal representative’s qualifications. Missing this deadline usually bars your challenge permanently, so it is critical to consult an attorney as soon as the notice arrives.

What are the legal grounds to challenge a will in Florida?

Florida recognizes a limited set of grounds: improper execution (failure to meet the witness and signature requirements of Section 732.502), lack of testamentary capacity, undue influence, fraud, duress, mistake, and forgery. General unfairness or disappointment with the result is not, by itself, a valid ground.

Can I force a personal representative to distribute my inheritance?

Yes. A personal representative owes fiduciary duties under Section 733.602. If they delay unreasonably, fail to account, or mismanage assets, an interested person can petition the court to compel an accounting, surcharge the representative for losses, or remove them under Section 733.504.

What is undue influence and how is it proven in Florida?

Undue influence occurs when someone in a position of trust overpowers the testator’s free will. Florida law allows a presumption of undue influence to arise when a substantial beneficiary had a confidential relationship with the decedent and was active in procuring the will, which can shift the burden of proof to that beneficiary.

Do estate disputes in Florida always go to trial?

No. Most Palm Beach County probate disputes resolve before trial. Florida courts strongly favor mediation and typically order it first, and a large share of cases settle there, sparing families the cost and strain of a contested probate trial.

If you are a beneficiary in Palm Beach County wondering why some of your loved one’s property reached you within weeks while the rest is tangled in a court file, you are not imagining things. Florida law treats these two buckets of property very differently, and the dividing line is rarely intuitive to families. Below is how an experienced Florida probate attorney sorts it out.

What Probate Actually Decides in Florida

Probate is the court-supervised process of identifying a deceased person’s assets, paying valid debts and taxes, and transferring what remains to the rightful heirs or beneficiaries. In Florida it is governed primarily by Chapters 731 through 735 of the Florida Statutes, and most cases run through the Circuit Court in the county where the decedent lived — for Palm Beach residents, the Probate Division of the Fifteenth Judicial Circuit in West Palm Beach.

The reason probate exists is simple: when property is titled only in a dead person’s name, no living human has legal authority to sign it over. The court fills that gap by appointing a personal representative (Florida’s term for an executor or administrator) who receives letters of administration — the document that finally lets someone act on the estate’s behalf. Until those letters issue, even a named beneficiary in a will cannot lawfully touch the probate property.

This is exactly why distributions stall. A beneficiary’s patience is not being tested by the family or the lawyer; it is being tested by a statutory sequence that requires creditor notice, an inventory, and judicial sign-off before money moves.

Assets That Must Go Through Probate

The probate estate is made up of solely owned assets with no automatic transfer feature. If the only name on the title is the decedent’s and nothing on the document says where the asset goes at death, it almost certainly belongs in probate. Common examples include:

• Real estate titled in the decedent’s name alone — a Palm Beach condo or single-family home owned individually, with no co-owner holding survivorship rights.
• Bank and brokerage accounts in the decedent’s sole name with no payable-on-death (POD) or transfer-on-death (TOD) designation.
• Vehicles, boats, and aircraft titled to the decedent individually.
• Personal property — jewelry, furniture, art, collections, and other tangible items not assigned through a trust.
• Business interests held individually, such as a sole-proprietor’s assets or shares with no survivorship or operating-agreement transfer clause.
• Money owed to the decedent, including final wages, refunds, or a personal-injury or wrongful-death claim that survives the death.

A frequent surprise: a life insurance policy or retirement account that should have skipped probate gets dragged into it because the named beneficiary predeceased the owner, or the only beneficiary listed was “my estate.” When the designation fails, the asset falls back into the probate estate by default. The same thing happens to a POD account where every named recipient has already died.

Homestead Is Its Own Animal

Florida’s homestead property deserves special mention. Under Article X, Section 4 of the Florida Constitution and Florida Statutes section 732.401, a decedent’s primary residence is shielded from most creditors and passes under constitutional and statutory rules that can override the will. Homestead frequently still requires a probate proceeding to confirm who inherits and to clear title — but the protections and the line of descent are unique. If your loved one’s home is the asset you are waiting on, do not assume it follows the same path as a bank account. It often takes a separate petition determining homestead status, and that step alone can add time.

Assets That Skip Probate in Florida

The flip side is the non-probate estate — property that already knows where it is going the moment the owner dies. These assets transfer by operation of law or by contract, not by court order, which is why beneficiaries often receive them first. They include:

1. Jointly held property with right of survivorship. Real estate or accounts owned as joint tenants with right of survivorship, or by a married couple as tenants by the entireties, pass automatically to the surviving co-owner. (Note: a plain “tenancy in common” does not survive — that share is probate property.)
2. Payable-on-death and transfer-on-death accounts. Bank accounts with a POD beneficiary and brokerage accounts with a TOD registration move directly to the named person upon presentation of a death certificate.
3. Life insurance and annuities with a living named beneficiary. The proceeds are a contract between the insurer and the beneficiary; the estate never touches them.
4. Retirement accounts — IRAs, 401(k)s, and similar plans with a valid surviving beneficiary on file.
5. Assets held in a funded revocable living trust. Property that was actually retitled into the trust before death is controlled by the trustee under the trust document, governed by Florida’s Trust Code in Chapter 736, and bypasses probate altogether.
6. Florida “Lady Bird” (enhanced life estate) deeds and TOD vehicle registrations, which let real estate and cars pass to a remainder beneficiary at death without a probate transfer.

The recurring theme is that a living recipient is already named on the asset itself. When that is true, the asset does not need a judge to find its owner.

The Trust Catch: “Funded” Is the Key Word

Beneficiaries are often told “there’s a trust, so we’ll avoid probate,” only to learn the trust was never actually funded. A revocable trust skips probate only for the assets that were retitled into it during the grantor’s lifetime. A house still deeded to the person individually — even with a trust sitting in a drawer — is a probate asset. This single oversight forces more unnecessary probate cases in Florida than almost anything else.

Shortcuts Florida Offers Smaller Estates

Even when assets are technically probate property, Florida provides two faster routes that can spare beneficiaries the full formal process:

• Summary administration (Florida Statutes section 735.201) is available when the probate estate is worth $75,000 or less (excluding exempt and homestead property), or when the decedent has been dead for more than two years. It skips the appointment of a personal representative and can resolve in weeks rather than months.
• Disposition without administration (Florida Statutes section 735.301) applies to very small estates with no real property, where final expenses essentially consume the assets. It lets a family member recover reimbursement without opening a formal case.

If your distribution is small and uncomplicated, ask whether one of these shortcuts applies before assuming you face a year of waiting. The threshold and two-year rule catch many families off guard in a good way.

Why This Distinction Matters to a Beneficiary Waiting on Distribution

For someone awaiting an inheritance, the probate/non-probate line is the practical map of your timeline:

• Non-probate assets you can pursue now. If you are the named beneficiary of an insurance policy, IRA, or POD account, you do not have to wait for the estate to close. You claim those directly from the institution with a certified death certificate and a claim form.
• Probate assets follow the statutory clock. Florida requires the personal representative to notice creditors, who generally have three months from publication (or thirty days from direct service) to file claims under Chapter 733. Distributions of probate property typically wait until that window closes and debts are resolved — which is why “why is it taking so long” almost always traces back to creditor and tax timing, not foot-dragging.

Understanding which bucket your share lives in turns anxiety into a checklist. It also tells you when to push and when patience is genuinely the right move. If a personal representative is sitting on a clearly non-probate asset, or if probate assets remain undistributed long after the creditor period closed, those are signs worth raising with a probate attorney.

Disputes can complicate either path. When the validity of the will itself is in question, the entire distribution may pause while the court resolves it. The mechanics of a contest vary by state — our colleagues at Morgan Legal explain the process in their guide to , and the same core principles of standing, grounds, and burden of proof inform Florida challenges. For a broader look at how court-supervised estate transfers work, their overview of is a useful companion read.

When You Should Talk to a Palm Beach Probate Attorney

You should get advice if any of the following describe your situation: a distribution has stalled with no clear explanation, you are unsure whether a particular asset is probate or non-probate, a beneficiary designation appears to have failed, homestead property is involved, or you suspect the estate qualifies for summary administration but no one has filed for it. A short consultation often clarifies in minutes what could otherwise cost months of guessing.

Our firm focuses on guiding Palm Beach beneficiaries through exactly these questions — confirming what must be probated, claiming what can pass outside of court, and holding personal representatives to their statutory duties. You can learn more about how Florida estates are administered through Morgan Legal’s , and you can review related guidance on our own Florida probate page or in our material on wills and beneficiary planning.

If you are waiting on a distribution and want to know where your share stands, reach out to our West Palm Beach office for a clear, plain-English read on your situation.

Frequently Asked Questions

How do I know if a specific asset has to go through probate in Florida?

Look at the title and any beneficiary designation. If the asset was owned in the decedent’s sole name with no co-owner holding survivorship rights and no payable-on-death, transfer-on-death, or beneficiary designation naming a living person, it is almost certainly a probate asset. If a living recipient is already named on the asset or it is held in a funded trust, it skips probate.

Does having a will mean my loved one's assets avoid probate?

No. A will is actually the instruction sheet for probate, not a way around it. Solely owned assets covered only by a will still go through the court process. The assets that truly skip probate are those with survivorship co-owners, beneficiary or POD/TOD designations, or property properly retitled into a living trust before death.

I'm the named beneficiary of a life insurance policy. Do I have to wait for probate to close?

Generally no. Life insurance with a living named beneficiary is a contract that pays out directly, outside the estate. You can usually file a claim with the insurer using a certified death certificate without waiting on the probate case, as long as the beneficiary designation is valid and the named person survived the decedent.

Why is my probate distribution taking so long in Palm Beach County?

Florida law requires the personal representative to notify creditors, who generally have up to three months from publication to file claims, and to resolve debts and taxes before distributing. Most delays trace to this statutory creditor and tax timing rather than to the family or attorney. Distributions of probate property typically follow only after that window closes.

Can a small Florida estate avoid the full probate process?

Often yes. Florida offers summary administration when the probate estate is worth $75,000 or less (excluding exempt and homestead property) or the person has been deceased more than two years, plus disposition without administration for very small estates with no real property. These routes can resolve in weeks instead of months.

If you’re a beneficiary in Palm Beach County waiting on money or property from an estate, the difference between these two procedures is not academic. It often decides whether you wait a couple of months or the better part of a year. Below, I’ll walk through how each works, who qualifies for what, and where beneficiaries most often get tripped up.

What is summary administration in Florida?

Summary administration is the shortcut. It’s authorized under Florida Statutes § 735.201–§ 735.2063 and is designed for estates that don’t justify the cost and time of a full proceeding. There is no personal representative appointed. Instead, the people entitled to the assets (and, depending on the situation, the surviving spouse) file a petition asking the court to distribute the property directly.

An estate qualifies for summary administration when either of these is true:

• The value of the entire estate subject to probate in Florida — minus property that is exempt from creditors — does not exceed $75,000; or
• The decedent has been dead for more than two years. After two years, there is no dollar cap, because Florida’s two-year nonclaim statute (§ 733.710) generally bars creditor claims by then.

That second prong surprises people. An estate worth several hundred thousand dollars can still go through summary administration if enough time has passed since the death. I’ve handled cases where a family sat on a deed for years, then discovered they could clear title through a relatively quick summary proceeding rather than a full one.

What summary administration looks like in practice

Because there’s no personal representative, no one is appointed to gather assets, manage them, or formally settle accounts over a period of months. The petition itself does most of the work. Once the court is satisfied — and the petition has been properly served on anyone who might object — the judge enters an Order of Summary Administration that says who gets what. Financial institutions and the county recorder then rely on that order to release funds or transfer title.

For a beneficiary, this is usually the outcome you want: fewer steps, lower fees, and a faster check. In Palm Beach County, an uncontested summary administration can sometimes conclude in a matter of weeks once the petition is filed, though realistic timelines run one to three months depending on the court’s docket and whether everyone signs off.

What is formal administration in Florida?

Formal administration is the default, full-dress probate proceeding, governed primarily by Chapter 733 of the Florida Statutes. It begins when the court appoints a personal representative (Florida’s term for what other states call an executor or administrator) and issues Letters of Administration — the document that gives that person legal authority to act for the estate.

Formal administration is required whenever summary administration isn’t available, and it’s the sensible choice whenever the estate needs an active fiduciary. Typical triggers include:

1. Non-exempt assets exceed $75,000 and the death was less than two years ago.
2. There are known or likely creditors who must be paid in an orderly way.
3. Assets need to be sold, managed, or litigated before distribution.
4. The will is ambiguous, or there’s a will contest or dispute among heirs.
5. A wrongful-death claim or other lawsuit must be pursued on the estate’s behalf.

The personal representative and the creditor period

The personal representative has real duties: identifying and securing assets, filing a notice to creditors, paying valid debts and taxes, and ultimately distributing what remains to beneficiaries. Florida law requires the personal representative to publish a Notice to Creditors and serve known creditors. Those creditors then have a defined window — generally three months from the first publication, or 30 days from service for a served creditor, under § 733.702 — to file claims.

That creditor period is the single biggest reason formal administration takes longer than summary administration. A responsible personal representative usually won’t distribute the bulk of the estate until that window closes and known claims are resolved, because they can be held personally liable if they pay beneficiaries first and stiff a legitimate creditor. So even a clean, uncontested formal administration commonly runs six months to a year from start to finish.

Formal vs. summary administration: the practical differences for beneficiaries

Here’s how the two stack up where it matters to someone waiting on a distribution:

• Speed: Summary is faster (weeks to a few months). Formal is slower (often six months to a year, sometimes longer with disputes).
• Personal representative: None in summary administration; required in formal administration.
• Eligibility: Summary requires ≤ $75,000 non-exempt or death > 2 years ago. Formal has no upper limit and is the catch-all.
• Creditor handling: Formal administration includes a structured notice-to-creditors process. Summary administration doesn’t appoint anyone to manage creditors, though petitioners can remain liable to creditors for up to two years.
• Cost: Summary administration is generally cheaper because there’s less attorney and court work.
• Ongoing management: Only formal administration gives someone authority to operate a business, sell real estate, or litigate on the estate’s behalf.

One caveat beneficiaries should understand: summary administration doesn’t make creditors disappear. If the death was within two years and the estate uses summary administration, those who receive assets can be held responsible to creditors, up to the value of what they received, for up to two years. That’s a real risk worth weighing before pushing for the faster route on a recent death.

Which path applies to your estate?

Start with two questions: How long ago did the person die? and What are the non-exempt probate assets worth? If the answer is “more than two years ago” or “$75,000 or less,” summary administration is likely on the table. Otherwise, plan on formal administration.

But the dollar test is trickier than it sounds. Florida exempts certain property from the calculation — notably the homestead (which passes outside probate in most cases under the Florida Constitution), and statutorily exempt items like household furnishings up to a set value and two motor vehicles under § 732.402. Assets with named beneficiaries or joint owners — life insurance, retirement accounts, payable-on-death bank accounts, jointly held real estate — usually aren’t probate assets at all and don’t count toward the threshold. So an estate that looks large on paper can still qualify for summary administration once you strip out the non-probate and exempt pieces.

This is exactly where a careful read of the asset list matters. I’ve seen families assume they were stuck with a year-long formal administration, only to find that nearly everything passed by beneficiary designation and the small remainder qualified for a summary proceeding. Getting that classification right is one of the most valuable things a Florida probate attorney does early in a case.

Common reasons distributions get delayed in formal administration

If you’re a beneficiary already in a formal administration and wondering why it’s taking so long, the usual culprits are predictable:

• The creditor period hasn’t closed. Until it does, prudent personal representatives hold off on major distributions.
• A creditor filed a claim that has to be paid, negotiated, or objected to and litigated.
• Tax matters — a final income tax return, or in rare large estates, an estate tax return — must be addressed before closing.
• Disputes over the validity of the will or the conduct of the personal representative. These are in everything but name, and they can stall an estate for many months.
• Hard-to-value or hard-to-sell assets, like real estate or a closely held business that has to be liquidated first.

A well-run estate keeps beneficiaries informed and can often make a partial distribution before final closing once the creditor window passes and reserves are set aside for known obligations. If you haven’t heard anything in months, that silence — not the procedure itself — is frequently the real problem, and it’s worth asking your attorney to request an accounting or a status update.

How a probate attorney helps you move faster

Florida requires an attorney for nearly all formal administrations, and for summary administrations involving more than one interested person, so this isn’t generally a do-it-yourself area. The value of good counsel is less about filing forms and more about choosing the right path the first time, classifying assets correctly, getting the petition served properly so it can’t be reopened, and pushing the estate through the creditor period without unnecessary delay.

For estates that span states — say a Palm Beach decedent who also owned property up north — coordination matters. Our firm handles Florida matters through , and works alongside the New York office for ancillary proceedings and out-of-state when a decedent left assets in more than one jurisdiction. If you’re a beneficiary unsure which administration applies — or simply tired of waiting — start by getting the asset picture straight, then talk to a probate lawyer about the fastest legitimate route to your distribution. You may also want to review how a valid Florida will shapes who inherits and in what order.

The bottom line: summary administration is the express lane when you qualify, and formal administration is the thorough route when you don’t. Knowing which one governs your estate is the first step toward knowing when you’ll actually be paid.

Frequently Asked Questions

How long does summary administration take in Florida compared to formal administration?

An uncontested summary administration in a county like Palm Beach often concludes in roughly one to three months once the petition is filed. Formal administration typically takes six months to a year because of the mandatory creditor claim period and the duties the personal representative must complete before distributing assets.

What is the dollar limit for summary administration in Florida?

Summary administration is available when the value of the estate’s non-exempt probate assets is $75,000 or less. There is also a separate path with no dollar cap when the decedent has been dead for more than two years, because Florida’s two-year nonclaim statute generally bars creditor claims by then.

Does summary administration appoint a personal representative?

No. Summary administration does not appoint a personal representative or issue Letters of Administration. The court enters an Order of Summary Administration directing assets straight to the people entitled to them. Formal administration is the proceeding that appoints a personal representative to manage and settle the estate.

Can a large estate still use summary administration in Florida?

Yes, if the decedent has been dead for more than two years. After that point there is no asset-value ceiling, so even a sizable estate may qualify. Within two years of death, the estate must meet the $75,000 non-exempt-asset limit to use summary administration.

Why is my distribution delayed even though probate seems straightforward?

In formal administration, the personal representative usually waits until the creditor claim period closes — generally three months after the first published notice — before making distributions, to avoid personal liability. Tax filings, creditor claims, or disputes can add time. A partial distribution is sometimes possible once known obligations are reserved for.

If you’re a beneficiary, that last point is worth sitting with. You don’t inherit the estate’s gross value. You inherit what’s left after the people the deceased owed get paid. Understanding how that works will save you a lot of anxiety while you wait.

Why Debts and Taxes Come Before Your Inheritance

An estate isn’t just a pile of assets to be handed out. Legally, it’s a temporary entity that has to wind up the deceased person’s financial life. That means closing accounts, paying final bills, and resolving claims from anyone who says they’re owed money. Florida’s probate process is designed to protect creditors first and beneficiaries second, and the courts take that order seriously.

The person responsible for all of this is the personal representative (Florida’s term for what other states call an executor or administrator). If they distribute money to beneficiaries before debts and taxes are properly handled, they can be held personally liable for the shortfall. So when a personal representative seems cautious or slow about cutting checks, there’s usually a good legal reason behind it.

How Creditors Get Notified in a Florida Probate

Before any debt gets paid, creditors have to be told the estate exists. Florida law, under Florida Statutes Chapter 733, requires the personal representative to take two steps.

• Publish a Notice to Creditors. This notice runs once a week for two consecutive weeks in a local newspaper in the county where the estate is being administered. It’s the formal public announcement that anyone with a claim needs to come forward.
• Serve known or reasonably ascertainable creditors directly. If the personal representative knows about a creditor, or could find out with reasonable diligence, that creditor gets served individually rather than just being expected to read the newspaper.

This step matters to beneficiaries because it starts the clock. Until the creditor window closes, no one can be sure how much the estate truly owes, and a careful personal representative won’t make large distributions while that uncertainty remains.

The Creditor Claim Deadline

Under Florida Statutes section 733.702, creditors who were served generally must file their claim within 30 days of being served, or within 3 months of the first publication of the Notice to Creditors, whichever is later. There’s also an outside limit: section 733.710 bars most claims filed more than 2 years after the date of death, regardless of whether notice was given. Late claims are usually barred unless the creditor gets a court order extending the time, which is not easy to obtain.

Once that window closes, the picture becomes much clearer. The personal representative can object to claims they believe are invalid, negotiate disputed amounts, and start paying the legitimate ones.

The Order Debts Get Paid in Florida

Here’s where a lot of beneficiaries get surprised. The estate doesn’t pay creditors first-come, first-served, and it doesn’t pay everyone equally if money runs short. Florida Statutes section 733.707 sets a specific order of priority. If the estate can’t cover everything, lower-priority creditors may get partial payment or nothing at all.

1. Costs and expenses of administering the estate, including reasonable attorney’s fees and the personal representative’s compensation.
2. Reasonable funeral, interment, and grave marker expenses, up to the statutory cap.
3. Debts and taxes with a federal preference, such as certain obligations owed to the federal government.
4. Reasonable and necessary medical and hospital expenses of the last 60 days of the decedent’s final illness.
5. Family allowance paid to the surviving spouse and dependents under the statute.
6. Court-ordered child support arrearages.
7. Debts acquired after death for continuing the decedent’s business, to the extent authorized.
8. All other claims, including ordinary credit card debt and personal loans.

Notice where ordinary credit card debt lands. It’s at the bottom. If the estate is insolvent, meaning it owes more than it’s worth, general unsecured creditors like credit card companies often recover only a fraction, and beneficiaries may receive nothing. That’s a hard outcome, but it’s the law working as designed: the estate’s obligations come before any gift to heirs.

What About the Mortgage or Car Loan?

Secured debts work differently. A mortgage is tied to the house, and a car loan is tied to the car. Those liens follow the property. If you inherit a home with a mortgage on it, you generally inherit the obligation to keep paying that mortgage if you want to keep the house, unless the will or estate plan directs the debt be paid off from other estate funds. The lien doesn’t disappear just because the borrower died.

Taxes in Florida Probate: What Actually Applies

Florida is one of the more favorable states in the country when it comes to death-related taxes, but “favorable” isn’t the same as “none.” Here’s how the major categories break down.

No Florida Estate Tax or Inheritance Tax

Florida does not impose a state estate tax or a state inheritance tax. The state’s prior estate tax was tied to a federal credit that was phased out, and the Florida Constitution actually prohibits the state from levying an inheritance tax. So as a beneficiary, you will not pay Florida a tax simply for receiving your inheritance.

The Federal Estate Tax (Rarely an Issue)

The federal estate tax only applies to very large estates. The federal exemption sits in the multi-millions of dollars per person, so the overwhelming majority of Florida estates owe nothing. If an estate is large enough to be potentially taxable, that’s a situation where you want an experienced probate and tax attorney involved early, because a federal estate tax return (Form 706) and careful valuation work become necessary. For most families, this never comes up.

The Decedent’s Final Income Tax Return

This one applies to almost everyone. The personal representative is responsible for filing the deceased person’s final federal income tax return for the year of death, covering income the person earned up to the date they passed. If the estate itself earns income during administration, for example interest, dividends, or rental income from estate property, the estate may also need to file its own income tax return (Form 1041). Any tax owed comes out of the estate before distribution.

Income Tax on Your Inheritance

Good news for beneficiaries: an inheritance itself is generally not treated as taxable income to you. If you inherit $50,000 in cash, you don’t report that $50,000 as income. There are exceptions, the most common being inherited retirement accounts like a traditional IRA or 401(k), where distributions you take are typically taxable to you. Inherited property also usually receives a “stepped-up” cost basis to its date-of-death value, which can significantly reduce capital gains tax if you later sell it.

How All of This Affects Your Wait Time as a Beneficiary

If you’re reading this because you’re waiting on a distribution, the debt-and-tax process is probably the single biggest reason the estate hasn’t closed yet. A personal representative who distributes too early, before the creditor period ends and before tax obligations are nailed down, takes on real personal risk. Most won’t do it, and good ones shouldn’t.

That said, you’re not powerless. A few things are worth knowing:

• You’re entitled to information. Beneficiaries can generally request an accounting and updates on the status of the estate, including outstanding claims and tax matters.
• Partial distributions are sometimes possible. If the estate clearly has more than enough to cover all debts and taxes, a personal representative may, with appropriate caution, make a partial distribution before final closing.
• Unreasonable delay is a problem. If months stretch into a year or more with no movement and no explanation, that may signal mismanagement, and you have the right to ask the court to compel action.

The probate process is full of these kinds of friction points, and they’re not unique to Florida. Estates in other states run into the same creditor and tax bottlenecks. Morgan Legal Group, which handles estate matters in New York, has a useful overview of , and many of those same issues, slow creditor periods, disputed claims, and tax filing delays, show up in Florida too.

When Debts Exceed the Estate’s Value

Sometimes the math simply doesn’t work. The estate owes more than it holds. This is called an insolvent estate, and it changes the picture for everyone. The personal representative still pays claims in the statutory priority order, but the lower-priority creditors absorb the loss, and beneficiaries typically receive nothing because there’s nothing left after debts.

One important reassurance: heirs are generally not personally responsible for the deceased person’s debts. If your parent died owing $80,000 in credit card debt and left an estate worth $30,000, the credit card companies don’t get to come after your personal money. They’re limited to the estate. The debt doesn’t transfer to you simply because you’re family. The main exception is debt you co-signed or jointly held, which was always your obligation too.

Getting Help With a Florida Probate

The interplay of creditor claims, payment priority, and tax filings is exactly where probate administration gets technical and where mistakes get expensive. A personal representative who handles this wrong can be held liable. A beneficiary who doesn’t understand the timeline can spend months frustrated for no reason. Working with an attorney who handles Florida keeps the process moving and keeps the personal representative protected.

If your situation crosses state lines, for example a Florida resident who also owned property in New York, you may be dealing with probate in more than one state. Morgan Legal’s team also handles , which can be valuable when an estate has assets in both jurisdictions and both proceedings need to stay coordinated.

To understand how a clear estate plan can shorten and simplify all of this for your own family, take a look at our overview of wills and estate planning, or read more about how Florida probate works from start to finish. When you’re ready to talk through a specific estate, reach out to our office in West Palm Beach and we’ll walk you through where things stand and what comes next.

Frequently Asked Questions

Do I have to pay my deceased parent’s debts in Florida?

Generally no. The debts are paid from the estate’s assets, not from your personal money. The exception is any debt you co-signed or jointly held. If the estate can’t cover everything, the unpaid creditors absorb the loss rather than the heirs.

How long do creditors have to file a claim in a Florida probate?

Creditors who are served directly typically have 30 days from service, while the general deadline is 3 months from the first publication of the Notice to Creditors, whichever is later. Most claims are barred entirely if filed more than 2 years after the date of death.

Does Florida have an estate tax or inheritance tax?

No. Florida imposes neither a state estate tax nor a state inheritance tax. The only death-related tax that can apply is the federal estate tax, which affects only very large estates in the multi-millions of dollars.

Will I owe income tax on my inheritance?

Usually not. An inheritance of cash or property is generally not taxable income to you. The most common exception is inherited retirement accounts like traditional IRAs, where distributions you take are typically taxable.

Frequently Asked Questions

Do I have to pay my deceased parent's debts in Florida?

Generally no. The debts are paid from the estate’s assets, not from your personal money. The exception is any debt you co-signed or jointly held. If the estate can’t cover everything, the unpaid creditors absorb the loss rather than the heirs.

How long do creditors have to file a claim in a Florida probate?

Creditors who are served directly typically have 30 days from service, while the general deadline is 3 months from the first publication of the Notice to Creditors, whichever is later. Most claims are barred entirely if filed more than 2 years after the date of death.

Does Florida have an estate tax or inheritance tax?

No. Florida imposes neither a state estate tax nor a state inheritance tax. The only death-related tax that can apply is the federal estate tax, which affects only very large estates in the multi-millions of dollars.

Will I owe income tax on my inheritance?

Usually not. An inheritance of cash or property is generally not taxable income to you. The most common exception is inherited retirement accounts like traditional IRAs, where distributions you take are typically taxable.

Do joint accounts automatically avoid probate?

It depends on how the account is titled. A bank or brokerage account held as joint tenants with right of survivorship generally passes directly to the surviving owner when one owner dies, bypassing probate. By contrast, an account held as tenants in common does not carry survivorship, so the deceased owner’s share can become part of the probate estate. The exact wording on the account documents controls, which is why Palm Beach families should review their account titling rather than assume.

What about “payable on death” designations?

Florida recognizes payable-on-death (POD) and transfer-on-death (TOD) designations. With a valid POD or TOD beneficiary in place, the account passes directly to the named person at death, outside probate, much like a life insurance beneficiary designation. This is a simple, common tool for Palm Beach residents who want a specific account to go to a specific person without court involvement.

If a joint account avoids probate, does it also avoid creditors?

Not necessarily. Avoiding probate is not the same as avoiding the decedent’s debts. Florida law has provisions that can reach assets passing outside probate to satisfy valid claims in certain circumstances. A surviving joint owner who receives funds may still face exposure if the estate’s probate assets are insufficient to cover legitimate creditor claims. So a joint account is a convenience tool, not a guaranteed debt shield.

I added my adult child to my account for convenience. Will it pass to them?

This is one of the most common Palm Beach pitfalls. If the account is titled with right of survivorship, your child may legally inherit the whole balance at your death, even if you intended it only to be split among all your children or used to pay your bills. The titling can override your wishes and your will. If your goal was convenience rather than a gift, a durable power of attorney under Chapter 709 of the Florida Statutes may better accomplish account access without unintentionally disinheriting other heirs.

How does jointly held real estate work?

Florida real estate can be held in several forms. Property held by a married couple as tenants by the entireties passes automatically to the surviving spouse and carries strong creditor protections. Property held as joint tenants with right of survivorship also passes to the survivor. Tenants in common, however, does not, so a deceased co-owner’s share may require probate. For a Palm Beach homestead, constitutional protections under Article X, Section 4 add another layer that affects how the property descends.

Are there other ways to keep a Palm Beach home out of probate?

Yes. Beyond survivorship titling, a properly executed Lady Bird deed, also called an enhanced life estate deed, lets an owner keep full control and use of the property during life while naming who receives it at death, generally avoiding probate for that property. It is a popular Florida tool, but it must be drafted correctly and coordinated with homestead and any mortgage terms.

The takeaway for Palm Beach families

Joint titling, POD designations, and deeds like the Lady Bird deed can keep specific assets out of probate, but they can also produce surprises if they conflict with your overall plan or expose a survivor to creditors.

This is general information, not legal advice. Account titling and Florida survivorship rules have important exceptions. Before relying on a joint account or deed in Palm Beach, consult a licensed Florida estate attorney.

If you are reading this from New York, New Jersey, Ohio, or anywhere outside Florida because a parent, sibling, or relative passed away owning property in the Sunshine State, you are in a more common position than you might think. Florida draws retirees from every corner of the country, and when those residents die, their heirs are scattered across the map. The good news: distance rarely changes what you are owed. It mostly changes how you keep track of it.

Why Florida Probate Reaches Across State Lines

Probate is the court-supervised process of validating a will, paying a decedent’s debts and taxes, and transferring what remains to the rightful heirs. The state where the person lived at death generally governs the administration of their personal property, but the state where real estate sits controls that real estate. So if your aunt retired to Palm Beach Gardens and died owning a condo there, that condo is administered under Florida law in a Florida court, regardless of where you live.

This is why an out-of-state heir gets pulled into a Florida case. You are not initiating anything. You are receiving the result of a process that Florida statutes set in motion the moment a personal representative opens the estate.

Where the Case Is Filed

Under Florida Statutes § 733.101, venue for probate is the county where the decedent lived at death, or — if they were a non-resident — a county where they owned property. For a Palm Beach County decedent, that means the Circuit Court in West Palm Beach. Everything from the appointment of the personal representative to the final accounting flows through that courthouse, even when not a single heir sets foot in Florida.

Your Role as a Non-Resident Beneficiary

Here is the part that surprises people: as an heir, you are largely a recipient of information, not a driver of the case. The personal representative (Florida’s term for an executor or administrator) runs the estate. Your leverage comes from your statutory rights to notice and to an accounting — not from physical presence.

What you actually need to do from afar is short:

• Confirm you have been formally noticed. The personal representative must serve beneficiaries with a Notice of Administration under § 733.212. That notice starts important clocks, including the window to object to the will or the personal representative’s appointment.
• Keep your mailing address current. Notices, accountings, and ultimately your distribution check are mailed. A stale address is the single most common reason an out-of-state heir falls out of the loop.
• Respond promptly to anything requiring your signature. Receipts, waivers, and consents can often be handled by mail or electronically, but they can stall an entire estate if one heir goes silent.
• Ask for the inventory and accounting. You are entitled to know what the estate holds and how it is being managed.

Notice that none of these require a plane ticket. They require attention.

What the Florida Probate Timeline Looks Like From a Distance

Beneficiaries waiting on a distribution almost always want to know one thing: when do I get paid? The honest answer is that Florida builds mandatory waiting periods into the process, and no amount of follow-up shortens them.

The Creditor Period Sets the Pace

After a formal administration is opened, the personal representative must publish a notice to creditors and serve known creditors directly. Under § 733.702 and § 733.701, creditors generally have three months from first publication to file claims. The estate cannot safely distribute everything until that window closes and valid claims are resolved, because a personal representative who pays heirs before paying creditors can become personally liable.

So even a clean, uncontested estate rarely wraps in under five or six months. A typical formal administration runs six months to a year; estates with real estate to sell, tax issues, or disputes can run considerably longer. From New Jersey, that wait feels longer still, because you are not watching the work happen.

Summary vs. Formal Administration

Not every Florida estate is large or slow. If the estate is worth $75,000 or less (excluding exempt property), or if the decedent has been dead more than two years, it may qualify for summary administration under Chapter 735. Summary administration skips the appointment of a personal representative and can conclude in a matter of weeks rather than months. For a far-flung heir, that is the best-case scenario — but it is the personal representative or petitioner who decides whether the estate qualifies, not the beneficiaries.

Common Challenges Out-of-State Heirs Run Into

Distance amplifies a handful of predictable problems. Many of the friction points are the same ones that trip up , but geography makes them sharper.

1. Information drought. A local beneficiary can drive to the courthouse or call the attorney. From out of state, you depend entirely on what the personal representative chooses to share. When communication is poor, anxiety fills the gap.
2. Out-of-state real estate logistics. Selling a Palm Beach condo means inspections, listing, closing, and sometimes repairs — all handled by people on the ground. Heirs who want to keep the property face Florida-specific issues like homestead protections and property tax reassessment.
3. An out-of-state personal representative. Florida limits who may serve. Under § 733.304, a non-resident generally cannot serve as personal representative unless they are a close relative (a spouse, sibling, parent, child, or other blood relative, or the spouse of such a person). If the named executor doesn’t qualify, the estate may stall while a successor is sorted out.
4. Suspicion and family friction. When you can’t see the books, it is easy to assume the worst. Sometimes the suspicion is warranted; often it is just the byproduct of silence. Either way, you have a right to an accounting.

Protecting Your Inheritance Without Leaving Home

You have more tools than you may realize, and almost all of them work by mail, email, or through counsel.

Request — and Read — the Accounting

Under § 733.6035 and related rules, residuary beneficiaries are entitled to a final accounting before the estate closes (and can often request an interim accounting along the way). The accounting itemizes what came in, what went out, and what is left to distribute. If the numbers don’t add up or fees look inflated, this is where you catch it. Don’t sign a receipt or waiver until you understand what you are releasing.

Hire Florida Counsel If Something Feels Off

You are not required to have your own attorney to inherit. But if the personal representative goes dark, the accounting looks wrong, or you suspect self-dealing, retaining Florida probate counsel is the most effective thing you can do from a thousand miles away. A local attorney can appear at hearings, demand documents, and file objections on your behalf so that your physical absence never becomes a disadvantage. For families with assets in more than one state, coordinating Florida and out-of-state representation — such as Morgan Legal’s alongside its — keeps both ends of an estate moving in sync.

Mind the Objection Deadlines

The Notice of Administration is not a formality. Once you are served, you generally have a limited window — often three months — to object to the validity of the will, the venue, or the qualifications of the personal representative. Miss that window and those challenges are typically barred forever. This is the one place where slow out-of-state mail and a “I’ll deal with it later” mindset can cost you real rights. If a notice arrives, treat it as time-sensitive.

How Distributions Actually Reach You

When the creditor period has closed, claims are paid, taxes are handled, and the court approves the final accounting, the personal representative distributes what remains. In most cases your inheritance arrives as a check mailed to your address of record, accompanied by a receipt you sign and return to confirm you got your share. Specific bequests of personal property may be shipped or arranged separately. If the estate held a house that sold, you receive a portion of the net sale proceeds, not the property itself, unless the will or the heirs agreed otherwise.

The mechanics are mundane, which is exactly the point: by the time money moves, the heavy legal lifting is done. Your patience through the creditor period and the accounting is what gets you to the check.

If you want to understand the documents driving all of this — the will, any trusts, and how Florida treats them — our overviews of Florida wills and the Florida probate process walk through the essentials in plain language.

The Bottom Line for Heirs Watching From Afar

Living outside Florida does not weaken your claim to a Florida inheritance. The statutes that protect beneficiaries — notice, accounting, the right to object — apply to a resident of Boca Raton and a resident of Buffalo identically. What distance changes is the burden of staying informed. Keep your address current, read every notice the day it arrives, ask for the accounting, and don’t sign anything you don’t understand. When the silence or the numbers worry you, bring in Florida counsel rather than guessing.

If you are an out-of-state heir trying to make sense of a Palm Beach County estate, we can review your notice, pull the court file, and tell you exactly where things stand — no travel required. Reach out for a consultation and let us watch the case so you don’t have to refresh the docket from another time zone.

Frequently Asked Questions

Do I have to travel to Florida if I'm an out-of-state heir?

Almost never. Florida probate is run by the estate’s personal representative and the local court. As a beneficiary, your role is to respond to notices, keep your mailing address current, review the accounting, and sign receipts or waivers — all of which can be handled by mail, email, or through counsel. Your inheritance is typically mailed to you as a check once the estate is ready to distribute.

How long does it take to receive an inheritance from a Florida estate when I live out of state?

A formal administration usually runs six months to a year. Florida requires a creditor claim period of about three months from first publication before the estate can safely distribute, so even uncontested estates rarely close in under five or six months. Small estates may qualify for summary administration, which can finish in weeks. Living out of state does not change the timeline — it just means you experience the wait without seeing the work happen.

Can a person who lives outside Florida serve as the personal representative?

Only in limited circumstances. Under Florida Statutes section 733.304, a non-resident generally cannot serve as personal representative unless they are a close relative of the decedent — such as a spouse, sibling, parent, child, or other blood relative, or the spouse of one. If the named executor doesn’t qualify, the court appoints a successor, which can delay the estate.

How do I find out what the estate is worth and whether it's being handled honestly?

You have a statutory right to information. The personal representative must serve you with a Notice of Administration, and residuary beneficiaries are entitled to an inventory and a final accounting before the estate closes. Review the accounting carefully before signing any receipt or waiver. If it looks wrong or the personal representative won’t communicate, you can retain Florida probate counsel to demand documents and appear in court on your behalf.

I received a Notice of Administration in the mail. Is there a deadline I need to worry about?

Yes. A Notice of Administration starts time-sensitive clocks. You generally have a limited window — often three months from service — to object to the validity of the will, the venue, or the qualifications of the personal representative. Miss that deadline and those challenges are typically barred. Treat any probate notice as urgent, especially since out-of-state mail can already eat into your response time.