Ok, thanks for your help very much. My only hope is that my father-in-law has or had power of attorney. I know he had one over his mother who is also deceased. I know she (acounting rep) asked me if I had power of attorney. If my father in law has power of attorney with his mother who was married to the account holder will this help me any? Assuming they would make arrangements with him, and then I pay him back. Otherwise, I'm sunk.