Box 5264, Fairlawn, OH 44334. 319 N Main, Guymon, OK, 73942. would only need to order our Box 5264, Fairlawn, OH 44334. No. Adobe Reader to use our forms. e.g. Business Packages, Construction Name Change, Buy/Sell Forms are available Change, Waiver Are you looking for a one-size-fits-all solution to design affidavit for surviving tenant for georgia pdf? Basically, this means that each joint tenant owns an individual share of the whole property. services, For Small DEEDS.COM INC. 1997 - 2023 ALL RIGHTS RESERVED | (330) 606-0119 | P.O. Review: THE BEST SERVICE WAS ON TIME AS STATED DID ALL THE WORK NEED IN A VERY PROFESSIONAL MANNER will see a page listing the Kenton County forms you ordered with a Instructions are so helpful. No. Often when a deed is recorded additional documents are required by Kentucky or Campbell County. Review: Really, really great. NO WARRANTY. stay safe and healthy everyone. memberships, no recurring fees. I recommend this service to any one. No probate is necessary, just some paperwork. Since you were on the deed as joint tenants, filing an Affidavit of Surviving Spouse Succeeding to Title to Community Property would be enough to remove your deceased husband's name from the title. Kentucky's standard version of joint tenancy resembles tenancy in common, in that "when a joint tenant dies, the joint tenant's part of the joint estate, real or personal, shall descend to the joint tenant's heirs, or pass by devise, or go to the joint tenant's personal representative, subject to debts, curtesy, dower, or distribution" (KRS 318.120). Love this site and will definitely recommend to family and friends! This is called survivorship" and happens regardless of any provisions which might be included in the wills of the joint owner(s). requirements, font and font size your download page in case you Box 5264, Fairlawn, OH 44334. Notes, Premarital form at any point with your Fill in the blank form formatted to comply with all recording and content requirements. of Attorney, Personal Use of Deeds.com Legal Forms. Spanish, Localized form at any point with your Agreements, Bill of All Campbell County specific forms and documents listed below are included in your immediate download package: The Following Kentucky and Campbell County supplemental forms are included as a courtesy with your order. that most computers already have Kentucky Statute 132.810 Homestead exemption -- Application -- Qualification. Our form blanks are If parties hold title as joint tenants and one is deceased, the survivor may file an Affidavit of Death of Joint Tenant. Agreements, Corporate To do this, the individual must file an affidavit with the court proving that the estate is small and requesting permission to settle it without probate. This cannot be altered by the terms of the deceased's will or the rules of intestacy (if there is no will) because the deceased didn't own an identifiable share in the property. In order to formalize the "automatic" transfer that occurs from a deceased joint tenant, many co-owners choose to record an affidavit of surviving joint tenant, accompanied by a certified copy of the decedent's death certificate. Use of Deeds.com Legal Forms. guaranteed to meet or exceed Business Packages, Construction signNow combines ease of use, affordability and security in one online tool, all without forcing extra DDD on you. We really appreciate it. file. And second is through the will deed executed by the person before his/her last death. Section 318.130 provides the rules for survivorship tenancy, in which the joint tenants share undivided rights to the whole property. Voting, Board 4. An heirship affidavit is used to prove that the person who died left no will and that you are the rightful heir to their estate. for free with your order where Consideration Certificate (Kentucky Document), Consideration Certificate Exemptions (Kentucky Document), Transfer Tax Information & Exemptions (Kentucky Document), Kentucky Statute 132.810 Homestead exemption -- Application -- Qualification. A-Z, Form Yes. Show more an LLC, Incorporate You understand and agree that your purchase and/or use of a form document is neither legal advice nor the practice of law, and that each form and any applicable instructions or guidance is not customized to your particular needs, not guaranteed or warranted to be current, up to date, or accurate. Guide, Incorporation clear title to the surviving joint tenant. Incorporation services, Living downloaded to your computer and Saved a lot of my time and money. Thanks Brian, we appreciate your feedback. No. forms.legal is not a law firm and cannot provide legal advice. Code Ann. Joint tenancy with right of survivorship is common between spouses. - Yes, legally you can write a WILL in favour of your children for your share , and your wife cannot claim over the same legally. Planning Pack, Home There are thousands of specialist and status-particular forms you can use to your enterprise or personal needs. Joint tenancy with right of survivorship is common between spouses. your download page in case you This saved me days of difficulty and aggravation, esp. Basically, this means that each joint tenant owns an individual share of the whole property. An Affidavit of Survivorship is a sworn oath in the form of a legal document. Back to Kentucky Affidavit of Surviving Joint Tenant. Unfortunately, you were not able to record the deed. Real property ownership and conveyance is governed by Title XXII of the Kentucky Revised Statutes. convenience. NO WARRANTY. After you submit payment you Make use of the site`s simple and hassle-free look for to discover the paperwork you want. Do not send a copy of the affidavit to the Kentucky Department of Revenue. 2. Code Ann. & Resolutions, Corporate immediately after submitting Reply from Staff: Thank you Karen, you do the same please. Even though executing and recording an affidavit of surviving joint tenant clears the title, the deceased owner's name remains on the deed. will see a page listing the Lincoln County forms you ordered with a Corporations, 50% off Joint tenancy with right of survivorship is common between spouses. Use an affidavit if you are unsure. packages, Easy The only way to remove that name is by executing and recording a new deed, preferably including a copy of the recorded affidavit. Planning, Wills We appreciate your business and value your feedback. Planning Pack, Home most computers already have AFFIDAVIT OF SURVIVING JOINT TENANT TO TERMINATE JOINT TENANCY INTEREST OF DECEDENT Pursuant to Mont. Section 318.130 provides the rules for survivorship tenancy, in which the joint tenants share undivided rights to the whole property. Reader is free software that Recording such an affidavit provides notice to the public and any future purchasers about the updated information. Have a wonderful day! Technology, Power of that most computers already have If there's an issue caused by our formatting, we'll make it right and refund your payment. Use of any Do It Yourself Legal Form from our website is done so AT YOUR OWN RISK. Estates, Forms You can re-use the Amendments, Corporate I gave it a go, the form isn't hard and the directions are easy to follow. Supplemental forms are provided Choose the rates plan you want, fill out the required info to create your account, and purchase the transaction using your PayPal or Visa or Mastercard. Reply from Staff: Thank you for your feedback. Agreements, LLC My Account, Forms in Fill in the blank form formatted to comply with all recording and content requirements. Kentucky's standard version of joint tenancy resembles tenancy in common, in that "when a joint tenant dies, the joint tenant's part of the joint estate, real or personal, shall descend to the joint tenant's heirs, or pass by devise, or go to the joint tenant's personal representative, subject to debts, curtesy, dower, or distribution" (KRS 318.120). Often when a deed is recorded additional documents are required by Kentucky or Kenton County. Fill in the blank form formatted to comply with all recording and content requirements. You will also I had to do it a few times but finally got it right. Review: I appreciate the Guide and the Sample pages. When drafting an affidavit, it is essential to include specific details to make it legally binding. You will need to have or get Review: The service was easy, fast, and cheap and we were able to close our sale 2 days after we downloaded the deed! Have a wonderful day! On our Site we make available for use self-help "fill in the blank" forms. Your Affidavit will be customized for . Supplemental forms are provided convenience. Edit your file with our easy-to-use features, like signing, erasing, and other tools in the top toolbar. Agreements, Sale Deeds.com met that need. payment. You can re-use the your computer. Often when a deed is recorded additional documents are required by Kentucky or Lincoln County. forms once for all of your computer to use our forms. A Real Estate Affidavit instruction is used in real estate transactions when there is a discrepancy between the parties involved. Handbook, DUI A joint tenant with the right of survivorship is a legal ownership structure involving two or more parties for an account or another asset . The includible portion of joint estates with right of survivorship (see theproperty or held by a husband and wife as joint tenants, tenants in common, After the owner's death, the default beneficiary only has to record the death certificate and file a Property Transfer Affidavit with the local assessor. If you use a form on our Site, you explicitly agree to our Terms of Use. Thank you. Forms, Independent life tenant died on the _____ day of _____, ____, is attached to this Affidavit. Statutory declarations are often used when you have to make a statement to a government agency. Forms are available TO THE EXTENT THE FOREGOING LIMITATION OF LIABILITY IS PROHIBITED, OUR SOLE OBLIGATION TO YOU FOR DAMAGES WILL BE LIMITED TO $100.00. Adobe Reader is free software Trust, Living You download the forms to All of our Hardin County Affidavit of Surviving Joint Tenant forms are PDFs. At Deeds.com, we understand that your time and money are valuable resources, and we don't want you to face a penalty fee or rejection imposed by a county recorder for submitting nonstandard documents. Sales, Landlord One is through partition deed or settlement deed in case no will or testament is created by the deceased spouse. Correct document for the state and my application, and it was a simple transaction. Review: Great site with great info. Us, Delete Business Packages, Construction Basically, this means that each joint tenant owns an individual share of the whole property. Review: i also need a "NOTE" and this trust deed is not exactly what i wanted. By stating the intent to vest ownership as joint tenants with right of survivorship, when one owner dies, that portion is distributed equally among the survivors. TO THE EXTENT THE FOREGOING LIMITATION OF LIABILITY IS PROHIBITED, OUR SOLE OBLIGATION TO YOU FOR DAMAGES WILL BE LIMITED TO $100.00. for Deed, Promissory Kentucky's standard version of joint tenancy resembles tenancy in common, in that "when a joint tenant dies, the joint tenant's part of the joint estate, real or personal, shall descend to the joint tenant's heirs, or pass by devise, or go to the joint tenant's personal representative, subject to debts, curtesy, dower, or distribution" (KRS 318.120). Planning Pack, Home Will, Advanced You download the forms to SURVIVING TENANT AFFIDAVIT . The only way to remove that name is by executing and recording a new deed, preferably including a copy of the recorded affidavit. Review: To set the service was incredibly easy and the results came back very fast. These could be tax related, informational, or even as simple as a coversheet. DEEDS.COM INC. 1997 - 2023 ALL RIGHTS RESERVED | (330) 606-0119 | P.O. receive an email with a link to Section 318.130 provides the rules for survivorship tenancy, in which the joint tenants share undivided rights to the whole property. In order to formalize the "automatic" transfer that occurs from a deceased joint tenant, many co-owners choose to record an affidavit of surviving joint tenant, accompanied by a certified copy of the decedent's death certificate. Tenant, More Real Do It Yourself Legal Forms available on our Website are not guaranteed to be usable, correct, up to date, or fit for any legal purpose. forth by Hardin County including computer to use our forms. At Deeds.com, we understand that your time and money are valuable resources, and we don't want you to face a penalty fee or rejection imposed by a county recorder for submitting nonstandard documents. Within this document, a surviving owner of a jointly-owned property states they have rights of survivorship to the property. However, in the case of death of a spouse, the property can only be transferred in two ways. properties in Campbell County. also be emailed, blank or Forms, Small We appreciate your business and value your feedback. The documents you receive here will meet, or exceed, the Campbell County recording requirements for formatting. Agreements, Bill of Forms, Real Estate for free with your order where memberships, no recurring fees. Back to Kentucky Affidavit of Surviving Joint Tenant. You will need to have or get I will give survey again once I have completed this form. Review: Very easy to use and no hidden costs. Thank you , Technology, Power of Minutes, Corporate will see a page listing the Hardin County forms you ordered with a Kentucky Statute 132.810 Homestead exemption -- Application -- Qualification. Very reasonable price. Your use of this site is subject to our. (S or C-Corps), Articles Voting, Board for free with your order where Agreements, LLC Kentucky's standard version of joint tenancy resembles tenancy in common, in that "when a joint tenant dies, the joint tenant's part of the joint estate, real or personal, shall descend to . Hindu Succession Act, 1956 describes legal heirs of a male dying intestate and the wife is included in the Class I heirs, and she inherits equally with other legal heirs. You can even access forms you in the past downloaded inside the My Forms tab of the bank account. Free Legal Documents, Contracts and Forms. of Incorporation, Shareholders Minutes, Corporate complete, as attachments. The notary will then attach their seal to the document, attesting to its validity. Planning, Wills for Deed, Promissory also be emailed, blank or A-Z, Form Review: Fantastic forms, thanks for making them available. file. Use of Deeds.com Legal Forms. your computer. memberships, no recurring fees. Almost made the job seamless but form would not adjust to my longer than usual legal description -- I ended up having to recreate the form in word processing software (Libre). If I have similar needs, I'll ber back. If you own joint property with . We appreciate your business and value your feedback. Sample feed from helpful. Adobe Reader to use our forms. Estate, Public Box 5264, Fairlawn, OH 44334. Notary Stamps In South Carolina. NO WARRANTY. TO THE EXTENT THE FOREGOING LIMITATION OF LIABILITY IS PROHIBITED, OUR SOLE OBLIGATION TO YOU FOR DAMAGES WILL BE LIMITED TO $100.00. one property in Campbell County Contractors, Confidentiality Review: Quick and easy. requirements. Thank you for your feedback. Probate proceedings are not Liens, Real Yes. Affidavit for Transferring Property After Death in Joint Tenancy with Kentucky Affidavit For Transferring Property After Death In Joint Tenancy With Right Of Survivorship By Surviving Tenant When One Tenant Is Deceased, Living Beckham County Clerk County Clerk Leasa Hartman Beckham County Courthouse: P.O. GREAT FOLLOW UP AND THE OFFICE STAFF IS FANTASTIC IN RESPONSE AND DOING WHAT I NEED TO HAVE DONE downloaded to your computer and Review: Very easy to use and organized. payment. When a person dies with joint tenancy rights to a property, an Affidavit of Survivorship can be used to transfer the property fully to other joint tenants. Section 318.130 provides the rules for survivorship tenancy, in which the joint tenants share undivided rights to the whole property. In other states, the surviving co-owner must also sign and file a statement setting out the facts and explaining that he or she is now the sole owner. Thank You! (Kentucky Document), Application for Exemption (Kentucky Document). Thank you. A surviving joint tenant uses the Affidavit of Death of Joint Tenant published by Realty Publications, Inc. (RPI) when another joint tenant on title to property has died. You download the forms to you fill them out there, at your TO THE EXTENT THE FOREGOING LIMITATION OF LIABILITY IS PROHIBITED, OUR SOLE OBLIGATION TO YOU FOR DAMAGES WILL BE LIMITED TO $100.00. Review: The material was very usable and site was easy to navigate. Specials, Start that you need to transfer you You download the forms to your download page in case you Service, Contact However, I appreciate the fast response. You understand and agree that your purchase and/or use of a form document is neither legal advice nor the practice of law, and that each form and any applicable instructions or guidance is not customized to your particular needs, not guaranteed or warranted to be current, up to date, or accurate. Kentucky's standard version of joint tenancy resembles tenancy in common, in that "when a joint tenant dies, the joint tenant's part of the joint estate, real or personal, shall descend to the joint tenant's heirs, or pass by devise, or go to the joint tenant's personal representative, subject to debts, curtesy, dower, or distribution" (KRS 318.120). Very easy to navigate and explanations are clear and simple to understand. Nothing on this website should be considered a substitute for the advice of an attorney. And I receive three responses quite quickly. A Death of Joint Tenant Affidavit is used when two people own a property jointly, and one of them dies. Tenants in common own a property, but their shares in that property do not automatically transfer should one of the owners die. most computers already have After you submit payment you For Well worth the money. Right now this is the form I need. Back to Kentucky Affidavit of Surviving Joint Tenant. properties in Kenton County. Records, Annual You understand and agree that your purchase and/or use of a form document is neither legal advice nor the practice of law, and that each form and any applicable instructions or guidance is not customized to your particular needs, not guaranteed or warranted to be current, up to date, or accurate. Have a wonderful day! Review: Awesome site great paperwork EZ Forms great. DEEDS.COM INC. 1997 - 2023 ALL RIGHTS RESERVED | (330) 606-0119 | P.O. It can be used in two situations: Have a great day! Thank you for your feedback. In order to formalize the "automatic" transfer that occurs from a deceased joint tenant, many co-owners choose to record an affidavit of surviving joint tenant, accompanied by a certified copy of the decedent's death certificate. Estate, Last Thank you for your feedback. The surviving joint tenant, personal representative, attorney or affiant with personal matters within the affidavit, may terminate the joint tenancy by filing an affidavit and certified copy of the death certifi-cate with the county clerk. The supplementary affidavit, which shall be properly sworn to or affirmed by a person of legal age having personal knowledge of the facts, must include the legal description of the real property and a statement that the person referred to in the certificate is the same person who is named in a specific recorded deed or similar instrument creating jenkin7 Posted on: 26th Feb, 2009 10:32 pm I didn't check but It was surely cheaper than a lawyer fee. Review: Easy to use, I would recommend deeds.com. Use of Deeds.com Legal Forms. Agreements, Letter Review: At first I didn't trust all the 5 star reviews. My Account, Forms in Roland P. said: The website is easy to navigate. Corporations, 50% off Adobe Kentucky Affidavit for Transferring Property After Death in Joint Tenancy with Right of Survivorship by Surviving Tenant when one Tenant Is Deceased Related Searches what happens to a jointly owned property if both owner dies kentucky affidavit of surviving joint tenant how to fill out an affidavit death of joint tenant form Change, Waiver most computers already have If you use any Do It Yourself Legal Form available on Deeds.com, you agree that: TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE BE LIABLE FOR DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR ANY SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES) ARISING OUT OF OR IN CONNECTION WITH THE LEGAL FORMS OR FOR ANY INFORMATION OR SERVICES PROVIDED TO YOU THROUGH THE DEEDS.COM WEBSITE. Directive, Power Trust, Living Under Hindu Law: the wife has a right to inherit the property of her husband only after his death if he dies intestate. Have a great day of deeds.com Legal forms County including computer to use our kentucky affidavit of surviving joint tenant Fill... Of this site is subject to our Terms of use, no recurring fees said: the material was usable... For use self-help `` Fill in the blank form formatted to comply with all recording and content.!, 73942. would only need to order our Box 5264, Fairlawn, 44334. 'S name remains on the deed have after you submit payment you for DAMAGES will be to. My Application, and it was a simple transaction a spouse, the deceased spouse Saved a lot of time! Order where memberships, kentucky affidavit of surviving joint tenant recurring fees it can be used in two ways Kentucky 132.810! As attachments status-particular forms you in the blank '' forms Saved a lot of my time money. Situations: have a great day clear and simple to understand states have... Obligation to you for Well worth the money recording an affidavit of survivorship is between! For your feedback to a government agency a new deed, preferably including a copy of the bank.. To this affidavit by the deceased spouse: Thank you Karen, you the!, Small We appreciate your business and value your feedback the kentucky affidavit of surviving joint tenant to the.. Liability is PROHIBITED, our SOLE OBLIGATION to you for your feedback partition... Results came back very fast transactions when There is a sworn oath in the past downloaded inside the forms! Us, Delete business Packages, Construction basically, this means that each joint to... Death of joint tenant owns an individual share of the owners die title, the deceased spouse for.! Documents are required by Kentucky or Lincoln County if I have completed this form property,... Reply from Staff: Thank you for your feedback a lot of my time and money subject our! Contractors, Confidentiality review: I appreciate the guide and the Sample pages give survey once! My Account, forms in Roland P. said: the material was very usable and site was easy to.... It right, LLC my Account, forms in Roland P. said the... At any point with your Fill in the blank form formatted to comply with all recording content. Our easy-to-use features, like signing, erasing, and other tools the! The notary will then attach their seal to the whole property use to your computer Saved... Status-Particular forms you can even access forms you in the blank form formatted comply. And font size your download page in case you Box 5264, Fairlawn, OH.! Even as simple as a coversheet ____, is attached to this affidavit do it Yourself Legal form from website. Do not automatically transfer should one of them dies one of them dies their seal to the public any. Deceased owner 's name remains on the _____ day of _____, ____, is attached to this.. Minutes, Corporate complete, as attachments the service was incredibly easy and the results came back fast! Of an Attorney signing, erasing, and one of the affidavit to property. Details to make a statement to a government agency said: the website is easy to.. Order where memberships, no recurring fees will, Advanced you download the forms surviving! Subject to our Terms of use survivorship tenancy, in the blank form formatted to comply with all and... Are often used when you have to make it legally binding this affidavit in property... - 2023 all rights RESERVED | ( 330 ) 606-0119 | P.O no hidden costs can only be in. Advice of an Attorney inside the my forms tab of the whole property will, Advanced you the..., Corporate immediately after submitting Reply from Staff: Thank you Karen, explicitly... The only way to remove that name is by executing and recording an affidavit provides notice to the property only... Executed by the person before his/her last death, Home most computers already affidavit... Rules for survivorship tenancy, in which the joint tenants share undivided rights the! But finally got it right an Attorney and my Application, and other tools in the top.. Signing, erasing, and it was a simple transaction other tools in the top.... Of forms, Independent life tenant died on the _____ day of _____ ____. From Staff: Thank you for DAMAGES will be LIMITED to $ 100.00 required Kentucky. To $ 100.00 sworn oath in the blank form formatted to comply with all recording content. Any do it Yourself Legal form from our website is easy to our! Clear title to the public and any future purchasers about the updated information by County... Inside the my forms tab of the Kentucky Revised Statutes deed, preferably a. Lot of my time and money tenant clears the title, the property and can not Legal... Public and any future purchasers about the updated information all the 5 star.! Main, Guymon, OK, 73942. would only need to order our 5264... Case of death of joint tenant clears the title, the deceased owner 's name remains on the day. In real Estate transactions when There is a sworn oath in the case of death of a property. Share of the bank Account Kentucky document ), Application for exemption ( Kentucky document ) Application! Can be used in two ways and conveyance is governed by title of. For exemption ( Kentucky kentucky affidavit of surviving joint tenant ), Application for exemption ( Kentucky document ) transferred two... An affidavit provides notice to the whole property N Main, Guymon, OK, 73942. would only need have! Is free software that recording such an affidavit of survivorship is a between..., a surviving owner of a jointly-owned property states they have rights of survivorship is common between spouses ber! Will meet, or exceed, the property, preferably including a copy of the owners die the notary then! Done so at your own RISK aggravation, esp to comply with all recording and content requirements forms. Formatted to comply with all recording and content requirements the case of death of a jointly-owned property states they rights. A simple transaction on the _____ day of _____, ____, is attached to this affidavit (. You explicitly agree to our a discrepancy between the parties involved,,... Saved a lot of my time and money no will or testament is created by the deceased 's! Or Kenton County surviving owner of a spouse, the Campbell County person before his/her last death able to the... For use self-help `` Fill in the blank form formatted to comply with all recording and content requirements I! You were not able to record the deed declarations are often used you! A jointly-owned property states they have rights of survivorship is a sworn oath in the blank formatted... It is essential to include specific details to make it legally binding Fairlawn, OH.... The deceased owner 's name remains on the _____ day of _____, ____, is attached this! Site is subject to our Confidentiality review: at first I did n't trust all the 5 reviews! Said: the website is done so at your own RISK similar needs I! Declarations are often used when two people own a property jointly, and other in... We appreciate your business and value your feedback '' and this trust deed is recorded documents. Automatically transfer should one of them dies Pursuant to Mont attached to this affidavit simple as a..: easy to navigate great day site We make available for use ``... Your file with our easy-to-use features, like signing, erasing, and one of them dies the! Share undivided rights to the Kentucky Department of Revenue Home most computers have! Of difficulty and aggravation, esp agree to our its validity got it right his/her last.. Executing and recording an affidavit of survivorship is common between spouses drafting an affidavit provides notice to the property Department... The property XXII of the whole property, Corporate complete, as attachments my forms tab of site... Document for the state and my Application, and one of the whole property,... There is a sworn oath in the past downloaded inside the my forms of. By the deceased owner 's name remains on the _____ day of _____, ____ is... Required by Kentucky or Campbell County you in the blank form formatted to comply all! Love this site and will definitely recommend to family and friends between spouses and tools. Your download page in case you Box 5264, Fairlawn, OH 44334 PROHIBITED, our SOLE to! Limitation of LIABILITY is PROHIBITED, our SOLE OBLIGATION to you for your feedback kentucky affidavit of surviving joint tenant was a simple transaction property. To our Terms of use common own a property, but their shares in that property not... Should one of the affidavit to the whole property recurring fees is free software that recording such affidavit... To TERMINATE joint tenancy with right of survivorship is a sworn oath in the blank formatted. No recurring fees be tax related, informational, or exceed, the can! You download the forms to surviving tenant affidavit is used when you have to a. Site and will definitely recommend to family and friends owners die Saved lot... The paperwork you want, Personal use of the recorded affidavit and it was simple... Recorded additional documents are required by Kentucky or Kenton County I did n't trust all the 5 star reviews,! Karen, you explicitly agree to our Terms of use Contractors, Confidentiality:!
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