I can’t say this enough:
There are many situations where you do not
need letters of administration.
Yes, the bank or customer service agent you are talking to says you do…but they are just reading from a policy manual or a list of predefined answers. They are not probate lawyers. They aren’t always right. That’s what the legal department tells them to ask for if they are ever informed of a death.
You need explore your options. Talk to a probate lawyer. Even if it’s not us.
Don’t assume you need letters of administration and full blown formal administration of the estate. It’s more expensive and takes longer and isn’t always necessary.
There’s always a possibility that summary administration is an option for you.