Dr. Teresa Sievers - Motives and Theories (Including MS speculation)

[debbiegarcia36]

Revenge- knock him down a few pegs. Without his beautiful successful wife- it's just MS. Think about it- he may very well be unemployed at the moment.


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Then wby wpuld CWW attend the funeral? I imagine LE watched tbe two interact.

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[LvsAMystry]

"Or made the wrong enemy with the wrong person"

Do you think that would exclude the possibility of her having dirt on CWW and was about to turn him in?

I think it excludes it IMO

 

[debbiegarcia36]

I think it means she did nothing nor was involved in anything that put her life in danger, that this is simply a case where someone wanted her dead for other reasons

Money?

I have mixed feelings about this. As someone who has family members that make bad life choices, I personally understand if MS felt CWW was "like a brother" he would have tried to see the best in him, maybe even believed he turned his life around.

I am still not 100% convinced MS didn't have anything to do with the murder BUT I can slightly see him giving his friend a 2nd chance if he is a person who forgives easily. I know nothing about his character but it's possible (small chance) that he is innocent in this but his poor choice in friends lead to the brutal murder of his wife. JMO though. The only people who know the truth are not talking.

I wish we could ffwd to the day the paperwork is released!!!

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[relay]

Then wby wpuld CWW attend the funeral? I imagine LE watched tbe two interact.

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This fact adds to many reasons I suspect MS was the brains behind his wife's murder.

 

[Satchie]

Then why would CWW attend the funeral

He worked for the medical office, he was MS's long standing friend, I think it would look suspicious if he wasn't at the funeral.

 

[fancyfree]

"Or made the wrong enemy with the wrong person"

Do you think that would exclude the possibility of her having dirt on CWW and was about to turn him in?

Bobbywoo, I think we are getting closer to learning that she caught CWW in some criminal act and was about to turn him in to LE or perhaps had already involved LE, or at the very least, she told her husband, MS. I think she was killed to silence her. Remember AL's comment in the very beginning that TS always spoke the truth even though some people didn't want to hear it. JMO

 

[fancyfree]

This fact adds to many reasons I suspect MS was the brains behind his wife's murder.

CWW and MS must have thought they were fooling LE with their show of tears and support for the daughters and close family members. It seems CWW and MS thought they were too smart to get caught but then they hired JR who told his GF about the crime and brought the bloody evidence home with him. CWW and MS are guilty of being dumb and dumber and I bet their egos are really bruised. Imagine how stupid CWW looks to his petty criminal friends in MO -- not ready for prime time!

 

[IQuestion]

This fact adds to many reasons I suspect MS was the brains behind his wife's murder.

Thanks Relay, I wish I could figure out how to state the same, with far fewer words....but alas I can not.
1)THERE IS NO WAY CWW & JRR were sitting around the "barbee" and jointly decided to burglarize a home 1200 (ONE THOUSAND TWO HUNDRED MILES) long and boring miles from South East Missouri, one-way!? (1931 kilometers! lsne:blushing Do y'all realize that is over 1/3 the miles across the entire United States (one third of the distance from LA to Maine) and they were going to do the whole trip in only 4 days and have JRR (aka Hammer, it is on his FB with multiple links) back to work on Tuesday morning! Hmmm, these guys passed up at least 2 million other homes to rob along the way?? Just think about all the vacant homes, vacation homes or homes where a defenseless senior citizen lives alone....BUT NO...THESE TWO HAVE ONLY ONE GOAL IN MIND....Bonita Springs!!
2) Not only that, CWW promised at $10,000 dollar "pay day" for JRR one little trip. Hmmm, THAT IS AN AWFUL LOT OF MONEY FOR MAYBE HAVING A SUCCESSFUL ROBBERY, huh? What would have happened if the Sievers had decided to have a "stay overnight housesitter"?? Or the neighborhood had instituted an exceptionall vigilant NEIGHBORHOOD WATCH PROGRAM??
Or, on that night some other disturbance, block party, nosy neighbor, a new burglar alarm system or curfew defying teenagers hanging out, etc could have disrupted their plans, huh?
3) Who is willing to "bet $10,000 (ten thousand dollars) and the IRE of JRR (the Hammer) if the goal of the plan was not achieved???? That tells me the goal was not robbery (per Skinner's claim), "Nothing was taken." The safes were not open etc.
(please forgive if I do not attach 15 links... MSM reporting aside, I want to establish a common sense approach (Holy Toledo, as if there is any common sense to be found in any murder?)...I AM GOING FOR AN ECONOMY OF ACTION and NON-gamble taken by the perps.
4) The goal was the murder of TS, plain and simple. Who would want to drive all the way back to Missouri, 1200 miles away, with a parolee in a bloody jumpsuit & hammer, if your mission had failed???? "Oh, our robbery failed, but I'll pay you $10,000 dollars anyway." (better luck next robbery?) I just don't think CWW takes gambles like that....my opinion, he would have ONLY ENTERED INTO THIS MURDER IF HE HAD IRONCLAD, INSIDE INFO on what was happening on the travel plans, home security, dog situation, quietness of neighborhood and that Doctor Teresa Sievers, would be there all alone!
5) The theory to "punish MS" by killing his wife (shortly entertained & discarded by me) doesn't make sense. It doesn't make sense because there could always be large insurance policies, MS would end up with all the assets & retirement plans, all student loans would be cancelled upon death, (http://thestudentloanlawyer.com/670/what-happens-to-a-student-loan-when-you-die/) the practice could be sold, MS could marry another successful woman, heck MS might work really hard to help LE find & convict of current and previous crimes (insert highly doubtful emoticon). Oh, yeah, he did help didn't he...uh, "be sure to look under her finger nails."... how could I have failed to recall that gem of advice he offered LE in solving the murder of his beautiful wife? (insert snarky emoticon)
PS I have been watching TS videos on being healthy, really great. What threat could this beautiful woman be to anyone???
And, I have tried to think of scenarios that did not include having INSIDE INFORMTION....doesn't work for me. (Sorry for long post, but this is so complicated.... that's why it took 2 months for the killers to plan this.)

 

[Dushi]

Thanks Relay, I wish I could figure out how to state the same, with far fewer words....but alas I can not.
1)THERE IS NO WAY CWW & JRR were sitting around the "barbee" and jointly decided to burglarize a home 1200 (ONE THOUSAND TWO HUNDRED MILES) long and boring miles from South East Missouri, one-way!? (1931 kilometers! lsne:blushing Do y'all realize that is over 1/3 the miles across the entire United States (one third of the distance from LA to Maine) and they were going to do the whole trip in only 4 days and have JRR (aka Hammer, it is on his FB with multiple links) back to work on Tuesday morning! Hmmm, these guys passed up at least 2 million other homes to rob along the way?? Just think about all the vacant homes, vacation homes or homes where a defenseless senior citizen lives alone....BUT NO...THESE TWO HAVE ONLY ONE GOAL IN MIND....Bonita Springs!!
2) Not only that, CWW promised at $10,000 dollar pay day for JRR. Hmmm, THAT IS AN AWFUL LOT OF MONEY FOR MAYBE HAVING A SUCCESSFUL ROBBERY, huh? What would have happened if the Sievers had decided to have a "stay overnight housesitter"?? Or the neighborhood had instituted an exceptionall vigilant NEIGHBORHOOD WATCH PROGRAM??
Or, on that night some other disturbance, block party, nosy neighbor, a new burglar alarm system or curfew defying teenagers hanging out, etc could have disrupted their plans, huh?
3) Who is willing to "bet $10,000 (ten thousand dollars) and the IRE of JRR (the Hammer) if the goal of the plan was not achieved???? That tells me the goal was not robbery (per Skinner's claim), "Nothing was taken." The safes were not open etc.
(please forgive if I do not attach 15 links... MSM reporting aside, I want to establish a common sense approach (Holy Toledo, as if there is any common sense to be found in any murder?)...I AM GOING FOR AN ECONOMY OF ACTION and NON-gamble taken by the perps.)
4) The goal was the murder of TS, plain and simple. Who would want to drive all the way back to Missouri, 1200 miles away, with a parolee in a bloody jumpsuit & hammer, if your mission had failed???? "Oh, our robbery failed, but I'll pay you $10,000 dollars anyway." (better luck next robbery?) I just don't think CWW takes gambles like that....my opinion, he would have ONLY ENTERED INTO THIS MURDER IF HE HAD IRONCLAD, INSIDE INFO on what was happening on the travel plans, home security, dog situation, quietness of neighborhood and that Doctor Teresa Sievers, would be there all alone!
5) The theory to "punish MS" by killing his wife (shortly entertained & discarded by me) doesn't make sense. It doesn't make sense because there could always be large insurance policies, MS would end up with all the assets & retirement plans, all student loans would be cancelled upon death, (http://thestudentloanlawyer.com/670/what-happens-to-a-student-loan-when-you-die/) the practice could be sold, MS could marry another successful woman, heck MS might work really hard to help LE find & convict of current and previous crimes (insert highly doubtful emoticon). Oh, yeah, he did help didn't he...uh, "be sure to look under her finger nails."... how could I have failed to recall that gem of advice he offered LE in solving the murder of his beautiful wife? (insert snarky emoticon)
PS I have been watching TS videos on being healthy, really great. What threat could this beautiful woman be to anyone???
And, I have tried to think of scenrios that did not include having INSIDE INFORMTION....doesn't work for me. (Sorry for long post, but this is so complicated.... that's why it took 2 months for the killers to plan this.)

I think it has been stated that robbery was not the motive


As far as inside information, i think its safe to assume that the Sievers vacation plans and return trips would have been known by those who worked for them.



Ohhh, I see you corrected or changed your post
I thought my reading skills were getting worse

 

[SeesSeas]

Did anyone listen and was there any new news?

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I listened last night to the portion of the radio show covering the Sievers case, but I didn’t hear any new information. It seemed to be a somewhat fragmented interview IMO. Others who listened may have a different view?

 

[LvsAMystry]

Money?



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Yes, and not any that would be found in safes in the home or they'd be missing. The practice couldn't run without her so any funds related to that would dry up. So it has to be money that would only come from her death, no?

 

[creepingskills]

Thanks Relay, I wish I could figure out how to state the same, with far fewer words....but alas I can not.
1)THERE IS NO WAY CWW & JRR were sitting around the "barbee" and jointly decided to burglarize a home 1200 (ONE THOUSAND TWO HUNDRED MILES) long and boring miles from South East Missouri, one-way!? (1931 kilometers! lsne:blushing Do y'all realize that is over 1/3 the miles across the entire United States (one third of the distance from LA to Maine) and they were going to do the whole trip in only 4 days and have JRR (aka Hammer, it is on his FB with multiple links) back to work on Tuesday morning! Hmmm, these guys passed up at least 2 million other homes to rob along the way?? Just think about all the vacant homes, vacation homes or homes where a defenseless senior citizen lives alone....BUT NO...THESE TWO HAVE ONLY ONE GOAL IN MIND....Bonita Springs!!
2) Not only that, CWW promised at $10,000 dollar "pay day" for JRR one little trip. Hmmm, THAT IS AN AWFUL LOT OF MONEY FOR MAYBE HAVING A SUCCESSFUL ROBBERY, huh? What would have happened if the Sievers had decided to have a "stay overnight housesitter"?? Or the neighborhood had instituted an exceptionall vigilant NEIGHBORHOOD WATCH PROGRAM??
Or, on that night some other disturbance, block party, nosy neighbor, a new burglar alarm system or curfew defying teenagers hanging out, etc could have disrupted their plans, huh?
3) Who is willing to "bet $10,000 (ten thousand dollars) and the IRE of JRR (the Hammer) if the goal of the plan was not achieved???? That tells me the goal was not robbery (per Skinner's claim), "Nothing was taken." The safes were not open etc.
(please forgive if I do not attach 15 links... MSM reporting aside, I want to establish a common sense approach (Holy Toledo, as if there is any common sense to be found in any murder?)...I AM GOING FOR AN ECONOMY OF ACTION and NON-gamble taken by the perps.
4) The goal was the murder of TS, plain and simple. Who would want to drive all the way back to Missouri, 1200 miles away, with a parolee in a bloody jumpsuit & hammer, if your mission had failed???? "Oh, our robbery failed, but I'll pay you $10,000 dollars anyway." (better luck next robbery?) I just don't think CWW takes gambles like that....my opinion, he would have ONLY ENTERED INTO THIS MURDER IF HE HAD IRONCLAD, INSIDE INFO on what was happening on the travel plans, home security, dog situation, quietness of neighborhood and that Doctor Teresa Sievers, would be there all alone!
5) The theory to "punish MS" by killing his wife (shortly entertained & discarded by me) doesn't make sense. It doesn't make sense because there could always be large insurance policies, MS would end up with all the assets & retirement plans, all student loans would be cancelled upon death, (http://thestudentloanlawyer.com/670/what-happens-to-a-student-loan-when-you-die/) the practice could be sold, MS could marry another successful woman, heck MS might work really hard to help LE find & convict of current and previous crimes (insert highly doubtful emoticon). Oh, yeah, he did help didn't he...uh, "be sure to look under her finger nails."... how could I have failed to recall that gem of advice he offered LE in solving the murder of his beautiful wife? (insert snarky emoticon)
PS I have been watching TS videos on being healthy, really great. What threat could this beautiful woman be to anyone???
And, I have tried to think of scenrios that did not include having INSIDE INFORMTION....doesn't work for me. (Sorry for long post, but this is so complicated.... that's why it took 2 months for the killers to plan this.)

Interesting point regarding debt and the estate. If TS had any federal student loans, the debt would be discharged, "forgiven" upon her death. On the other hand, any private student loan debt would not be forgiven, and the lender could submit a claim for the amount outstanding in probate court. If TS had a cosigner on any private loans, the lender may go after the cosigner rather than the estate.

Also -JMO, if TS did have any student loan debt, she probably had life insurance. At least enough coverage to pay back any private debt.

 

[SeesSeas]

Thanks Relay, I wish I could figure out how to state the same, with far fewer words....but alas I can not.
1)THERE IS NO WAY CWW & JRR were sitting around the "barbee" and jointly decided to burglarize a home 1200 (ONE THOUSAND TWO HUNDRED MILES) long and boring miles from South East Missouri, one-way!? (1931 kilometers! lsne:blushing Do y'all realize that is over 1/3 the miles across the entire United States (one third of the distance from LA to Maine) and they were going to do the whole trip in only 4 days and have JRR (aka Hammer, it is on his FB with multiple links) back to work on Tuesday morning! Hmmm, these guys passed up at least 2 million other homes to rob along the way?? Just think about all the vacant homes, vacation homes or homes where a defenseless senior citizen lives alone....BUT NO...THESE TWO HAVE ONLY ONE GOAL IN MIND....Bonita Springs!!
2) Not only that, CWW promised at $10,000 dollar "pay day" for JRR one little trip. Hmmm, THAT IS AN AWFUL LOT OF MONEY FOR MAYBE HAVING A SUCCESSFUL ROBBERY, huh? What would have happened if the Sievers had decided to have a "stay overnight housesitter"?? Or the neighborhood had instituted an exceptionall vigilant NEIGHBORHOOD WATCH PROGRAM??
Or, on that night some other disturbance, block party, nosy neighbor, a new burglar alarm system or curfew defying teenagers hanging out, etc could have disrupted their plans, huh?
3) Who is willing to "bet $10,000 (ten thousand dollars) and the IRE of JRR (the Hammer) if the goal of the plan was not achieved???? That tells me the goal was not robbery (per Skinner's claim), "Nothing was taken." The safes were not open etc.
(please forgive if I do not attach 15 links... MSM reporting aside, I want to establish a common sense approach (Holy Toledo, as if there is any common sense to be found in any murder?)...I AM GOING FOR AN ECONOMY OF ACTION and NON-gamble taken by the perps.
4) The goal was the murder of TS, plain and simple. Who would want to drive all the way back to Missouri, 1200 miles away, with a parolee in a bloody jumpsuit & hammer, if your mission had failed???? "Oh, our robbery failed, but I'll pay you $10,000 dollars anyway." (better luck next robbery?) I just don't think CWW takes gambles like that....my opinion, he would have ONLY ENTERED INTO THIS MURDER IF HE HAD IRONCLAD, INSIDE INFO on what was happening on the travel plans, home security, dog situation, quietness of neighborhood and that Doctor Teresa Sievers, would be there all alone!
5) The theory to "punish MS" by killing his wife (shortly entertained & discarded by me) doesn't make sense. It doesn't make sense because there could always be large insurance policies, MS would end up with all the assets & retirement plans, all student loans would be cancelled upon death, (http://thestudentloanlawyer.com/670/what-happens-to-a-student-loan-when-you-die/) the practice could be sold, MS could marry another successful woman, heck MS might work really hard to help LE find & convict of current and previous crimes (insert highly doubtful emoticon). Oh, yeah, he did help didn't he...uh, "be sure to look under her finger nails."... how could I have failed to recall that gem of advice he offered LE in solving the murder of his beautiful wife? (insert snarky emoticon)
PS I have been watching TS videos on being healthy, really great. What threat could this beautiful woman be to anyone???
And, I have tried to think of scenrios that did not include having INSIDE INFORMTION....doesn't work for me. (Sorry for long post, but this is so complicated.... that's why it took 2 months for the killers to plan this.)

I’m definitely on the other side of the fence, the lonely side :desert:, thinking that MS is innocent of involvement in this crime. But, I do read alternate theories presented on this thread. And, I try to understand those theories. I am in no way questioning your theory at all. I simply would like clarification about some of the statements you made. If someone ever provides even a smidgen of evidence of MS’s involvement, I could leap over to the other side of the fence.

Clarification requested on these statements:
CWW promised at $10,000 dollar "pay day" for JRR one little trip.
it took 2 months for the killers to plan this.

I didn't locate links for those statements.

Posted by beach on 9/7/2015 -
http://www.websleuths.com/forums/sh...uding-MS-speculation)&p=12047254#post12047254
What is permitted is if you see where someone has included something in their theory and feel they may not be aware of or considered a known fact, you can address the specific point and include a link that supports that fact.

 

[relay]

Thanks Relay, I wish I could figure out how to state the same, with far fewer words....but alas I can not.
1)THERE IS NO WAY CWW & JRR were sitting around the "barbee" and jointly decided to burglarize a home 1200 (ONE THOUSAND TWO HUNDRED MILES) long and boring miles from South East Missouri, one-way!? (1931 kilometers! lsne:blushing Do y'all realize that is over 1/3 the miles across the entire United States (one third of the distance from LA to Maine) and they were going to do the whole trip in only 4 days and have JRR (aka Hammer, it is on his FB with multiple links) back to work on Tuesday morning! Hmmm, these guys passed up at least 2 million other homes to rob along the way?? Just think about all the vacant homes, vacation homes or homes where a defenseless senior citizen lives alone....BUT NO...THESE TWO HAVE ONLY ONE GOAL IN MIND....Bonita Springs!!
2) Not only that, CWW promised at $10,000 dollar "pay day" for JRR one little trip. Hmmm, THAT IS AN AWFUL LOT OF MONEY FOR MAYBE HAVING A SUCCESSFUL ROBBERY, huh? What would have happened if the Sievers had decided to have a "stay overnight housesitter"?? Or the neighborhood had instituted an exceptionall vigilant NEIGHBORHOOD WATCH PROGRAM??
Or, on that night some other disturbance, block party, nosy neighbor, a new burglar alarm system or curfew defying teenagers hanging out, etc could have disrupted their plans, huh?
3) Who is willing to "bet $10,000 (ten thousand dollars) and the IRE of JRR (the Hammer) if the goal of the plan was not achieved???? That tells me the goal was not robbery (per Skinner's claim), "Nothing was taken." The safes were not open etc.
(please forgive if I do not attach 15 links... MSM reporting aside, I want to establish a common sense approach (Holy Toledo, as if there is any common sense to be found in any murder?)...I AM GOING FOR AN ECONOMY OF ACTION and NON-gamble taken by the perps.
4) The goal was the murder of TS, plain and simple. Who would want to drive all the way back to Missouri, 1200 miles away, with a parolee in a bloody jumpsuit & hammer, if your mission had failed???? "Oh, our robbery failed, but I'll pay you $10,000 dollars anyway." (better luck next robbery?) I just don't think CWW takes gambles like that....my opinion, he would have ONLY ENTERED INTO THIS MURDER IF HE HAD IRONCLAD, INSIDE INFO on what was happening on the travel plans, home security, dog situation, quietness of neighborhood and that Doctor Teresa Sievers, would be there all alone!
5) The theory to "punish MS" by killing his wife (shortly entertained & discarded by me) doesn't make sense. It doesn't make sense because there could always be large insurance policies, MS would end up with all the assets & retirement plans, all student loans would be cancelled upon death, (http://thestudentloanlawyer.com/670/what-happens-to-a-student-loan-when-you-die/) the practice could be sold, MS could marry another successful woman, heck MS might work really hard to help LE find & convict of current and previous crimes (insert highly doubtful emoticon). Oh, yeah, he did help didn't he...uh, "be sure to look under her finger nails."... how could I have failed to recall that gem of advice he offered LE in solving the murder of his beautiful wife? (insert snarky emoticon)
PS I have been watching TS videos on being healthy, really great. What threat could this beautiful woman be to anyone???
And, I have tried to think of scenrios that did not include having INSIDE INFORMTION....doesn't work for me. (Sorry for long post, but this is so complicated.... that's why it took 2 months for the killers to plan this.)

Back atcha IQuestion. Jumping off your post, if in fact JR did receive the $10,000, it strongly suggests the job was completed properly as you stated. I'm not sure if is a fact or not that JR actually was paid. Someone who knows for sure is welcome to comment . Dr. Teresa was murdered, but to our knowledge nothing of was taken. This only makes me think even more that it was a deliberate hit. Oh, an BTW, what possible job would JR get that is legit would pay him $10,000? That in itself is sooooooo suspect.

 

[fancyfree]

I listened last night to the portion of the radio show covering the Sievers case, but I didn’t hear any new information. It seemed to be a somewhat fragmented interview IMO. Others who listened may have a different view?

I didn't hear any new info either but I missed the first couple of minutes. Maybe someone who heard the entire interview can comment?

 

[debbiegarcia36]

Yes, and not any that would be found in safes in the home or they'd be missing. The practice couldn't run without her so any funds related to that would dry up. So it has to be money that would only come from her death, no?

Its gotta be. IMO I can only think she would be killed for money if the killers found themselves in a dire and life threatening situation in connection with some illegal activity they were involved in. But even that seems improbable to me. IJDK

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[IQuestion]

Interesting point regarding debt and the estate. If TS had any federal student loans, the debt would be discharged, "forgiven" upon her death. On the other hand, any private student loan debt would not be forgiven, and the lender could submit a claim for the amount outstanding in probate court. If TS had a cosigner on any private loans, the lender may go after the cosigner rather than the estate.

Also -JMO, if TS did have any student loan debt, she probably had life insurance. At least enough coverage to pay back any private debt.

Thanks Creepingskills....there is always a sub-current of other veins of thought, but jumping off your brilliant insight:
Florida is not a "community property state"....it is "Equitable Distribution" of property state. For instance: The debts a person incurred before marriage can be considered "a separate asset or debt"
IE, The spouse can get all the life insurance proceeds (as premiums were paid out of earnings during the marriage) but the surviving spouse not be responsible for the debts incurred before marriage.
Another thought, life insurance policies often offer "a double indemnity rider" for a very low cost, and doesn't require any extra underwriting. Hmmmm, murder is a qualifying event under the double indemnity provision of most insurance policies if it was purchased. The beneficiary will not receive the proceeds if they are found to be criminally responsible, and MS was 1381 miles away. Should have been a "slam dunk" for any insurance investigator. (Insert "NO IT'S NOT!" emoticon)

 

[debbiegarcia36]

He worked for the medical office, he was MS's long standing friend, I think it would look suspicious if he wasn't at the funeral.

My post re "why go to the funeral" was in connection with the theory that there was some type of animosity between MS and CWW.

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[IQuestion]

SeasSeas....I don't want you to be the lone prickly cactus in the desert (am referring to your choice of emoticon)
Lots of discussion on the 10K and references to planning can be found on this transcript:
http://www.cnn.com/TRANSCRIPTS/1509/01/ng.01.html
I might also suggest the attached link for people to advocate for why MS might not be involved....all 7 pages of threads.
http://www.websleuths.com/forums/sh...rnate-Motives-and-Theories-(NOT-involving-MS)

 

[creepingskills]

Thanks Creepingskills....there is always a sub-current of other veins of thought, but jumping off your brilliant insight:
Florida is not a "community property state"....it is "Equitable Distribution" of property state. For instance: The debts a person incurred before marriage can be considered "a separate asset or debt"
IE, The spouse can get all the life insurance proceeds (as premiums were paid out of earnings during the marriage) but the surviving spouse not be responsible for the debts incurred before marriage.
Another thought, life insurance policies often offer "a double indemnity rider" for a very low cost, and doesn't require any extra underwriting. Hmmmm, murder is a qualifying event under the double indemnity provision of most insurance policies if it was purchased. The beneficiary will not receive the proceeds if they are found to be criminally responsible, and MS was 1381 miles away. Should have been a "slam dunk" for any insurance investigator. (Insert "NO IT'S NOT!" emoticon)

I'm trying not to mix up my recall of bankruptcy law v. estate administration, so bear with me. I live in a equitable distribution state, and IMO, you are 100% correct ^. However, equitable distribution more commonly applies to division of property in divorce proceedings. So while you are correct in a divorce and/or bankruptcy situation, equitable distribution wouldn't really apply in probate proceedings (not involving a divorced decedent). While TS' individual debt may not be attributable to MS, individually, it will have to be paid from the probate assets available in TS's estate.

Breaking down the probate process generally: once the Will is filed for probate, a notice will be published. This is done solely for the benefit of creditors, allows them to make a claim for the outstanding amount during the probate process.

All of the probate assets [bank account or investment account in TS's name only; a life insurance policy, annuity contract or individual retirement account payable to the decedent's estate; real estate in her name alone or with another as "tenants in common" (not "tenants by the entirety")] will be added up. Say these assets have a value of $1M. Then, any outstanding debt (except fed student loans) in the name of the decedent (TS) will be paid or discharged.

MS getting LI insurance proceeds not subject to probate (and thus not within creditor reach) would depend on whether the beneficiary on the policy is MS, or TS's estate. I'm not sure, but IIRC TS's Will referred to a Trust. LI proceeds could fund the trust (instead of MS) to keep out the proceeds from creditor reach.

Another can of worms is the how the LLC is set up, and whether the business is part of TS's estate (probably not, since its held solely by MS). SO much to question.