Letters Testamentary vs. Letters of Administration: Which One You Need and How to Get It

A bank, a county office, or a court clerk just told you they need 'letters' before they'll release your late parent's money or property. This guide explains what that paper is, which version your family needs, and exactly how to get it in Ohio or Georgia — including when the money at stake is leftover from a foreclosed or tax-sold home.

Updated July 11, 2026. Checked against the sources below
Letters testamentary and letters of administration do the same job: they are the court paper proving you have legal authority to act for a deceased person's estate. The difference is the will. If a will named an executor, the probate court issues letters testamentary; if there is no will, the court appoints an administrator instead. Banks and county surplus-funds offices pay estates, not individual relatives — these letters are step one.

What are letters testamentary and letters of administration?

When someone dies, no one — not even a spouse or an only child — automatically has the legal power to collect their money, sell their house, or sign for their estate. Institutions need one court-approved person to deal with. Letters testamentary are that approval when there was a will: the court paper proving the executor's authority, issued after the probate court accepts the will. People often search for a 'letter of testamentary' or 'letters of testamentary' — same document; courts issue it in the plural, 'letters.' Letters of administration are the identical grant of authority when there was no will: an heir petitions the court, is appointed administrator, and receives letters. Courts use personal representative as the umbrella term for both executors and administrators.

Here is how many families in Ohio and Georgia first hear these words: a parent's or grandparent's home was foreclosed or sold at a tax sale, the auction brought in more than the debt, and the county is holding the leftover money — called surplus funds or excess funds. The county will not pay a son or daughter who calls; it pays the deceased owner's estate. Letters are how you become the estate in the county's eyes.

What's the difference between letters testamentary and letters of administration?

Once issued, the two letters carry the same power. The differences are all upstream — whether a will exists, who gets appointed, and how much paperwork stands between you and the courthouse.

Letters testamentaryLetters of administration
Is there a will?Yes, and it names an executorNo will — or no named executor able to serve
Who the court appointsThe executor named in the willAn administrator: usually the spouse, or the heir the family selects
The form you file — OhioForm 2.0 (Application to Probate Will), then Form 4.0Form 4.0 (Application for Authority to Administer Estate)
The form you file — GeorgiaGPCSF 5 (Petition to Probate Will in Solemn Form)GPCSF 3 (Petition for Letters of Administration)
Bond — an insurance policy protecting the estateUsually waived by the will itselfUsually required unless every heir agrees to waive it
Authority once issuedFull power to collect, manage, and distribute estate propertyThe same full power
Ohio wrinkle: Ohio's standard form prints both versions under one title — Form 4.5, 'Entry Appointing Fiduciary; Letters of Authority.' If an Ohio bank or county office asks for 'letters of authority,' that is the same document this guide calls letters.

When do you actually need these letters?

You need letters whenever an institution is holding something that belonged to the person who died and will only hand it to a court-verified representative:

  • County surplus and excess funds offices. If a foreclosed or tax-sold home left money behind, the office holding it — the Clerk of Courts in Ohio, commonly the tax commissioner in Georgia — pays the former owner or the owner's estate. Ohio's foreclosure statute, R.C. 2329.44, directs leftover sale money to 'the judgment debtor or the judgment debtor's legal representatives.' Letters are how a family member becomes that legal representative.
  • Banks and credit unions, to open an estate account or close the deceased's accounts.
  • The county recorder or a title company, to sell or transfer the house or other real estate.
  • Insurers and retirement plans, when a policy or account pays to 'the estate' or has no living beneficiary.
  • Courts, to file or continue a lawsuit on the estate's behalf — including a contested claim for surplus funds.
  • Everyone else holding loose ends: final paychecks, tax refunds, utility deposits, safe-deposit boxes.
The pattern is the same everywhere: whoever is holding the property needs proof they are releasing it to the right person, and the only proof that counts is the court's.

How do I get a letter of testamentary?

The path is similar in most states, and both Ohio and Georgia follow it. Here is the whole process, start to finish:

  1. Confirm you are the right applicant. Read the will — the person it names as executor applies. No will? The surviving spouse or an heir the family agrees on applies to be administrator.
  2. Order certified death certificates from vital records — get several; the court, banks, and any county funds office will each want one.
  3. Find the probate court for the county where the person lived — not where the property sits. Someone who died in Columbus is probated in Franklin County even if the foreclosed house was elsewhere.
  4. File the application or petition with the original will attached. In Ohio that is Form 2.0 plus Form 4.0; in Georgia, GPCSF 5. Filing fees generally run about $100–$300 depending on the county (exact figures below).
  5. Notify the heirs — or better, collect their signatures. Every heir who signs a waiver or acknowledgment of service removes a notice period. This is the single biggest thing you control about the timeline.
  6. Take the oath and post bond if the court requires it. Most wills waive bond for the executor; administrators should expect a bond unless all heirs waive it.
  7. Receive your letters and buy extra certified copies — usually a few dollars each. Banks and county offices typically keep a copy, and many want one certified recently.
Getting letters is the opening move of probate, not the whole game. For what comes after — inventory, creditors, distribution — see how long probate takes.

How do you get letters in Ohio, step by step?

Ohio probate runs through the probate division of the Common Pleas Court in the county where the person lived, using statewide standard forms. With a will, you file Form 2.0 (Application to Probate Will) with the original will and a certified death certificate, then Form 4.0, Application for Authority to Administer Estate. Without a will, Form 4.0 alone — Ohio gives first preference to the surviving spouse, then next of kin who live in Ohio. Under publicly available Ohio statute R.C. 2113.05, once the will is admitted and the applicant qualifies, letters must issue — the court's signed Form 4.5 is your letters of authority.

Cost: count on a deposit of roughly $200–$300 for a full administration. The Franklin County Probate Court's posted schedule (updated December 2025) puts a formal administration deposit at about $250 — you can confirm the current figure with the court at (614) 525-3894, and we encourage it. Bond: most wills waive it for the executor; administrators usually must buy a surety bond unless every heir signs a waiver — ask the clerk which rule applies to your filing.

Timeline: an uncontested application with signed waivers from all next of kin is often approved within one to two weeks, sometimes days; required notices, a hearing, or bond shopping can stretch it to a month or more. If anyone plans to challenge the will itself, Ohio's window is short — generally three months after the notice-of-probate certificate is filed (R.C. 2107.76).

How do you get letters in Georgia, step by step?

Georgia probate runs through the probate court of the county where the person was domiciled, on statewide Georgia Probate Court Standard Forms — each comes with its own instructions, which is a genuine kindness to non-lawyers. With a will, the main road is GPCSF 5, Petition to Probate Will in Solemn Form. Solemn form notifies every heir and becomes binding immediately once letters testamentary issue. The alternative, common form (GPCSF 4), skips advance notice but stays contestable for four years — which is why banks and county offices strongly prefer solemn-form letters.

Notice drives the Georgia timeline. Known heirs living in Georgia must be personally served at least 30 days before the will can be probated in solemn form under publicly available statute O.C.G.A. § 53-5-22 — unless they sign an acknowledgment of service, which erases the wait. An heir who objects files a caveat, typically within about ten days of being served or cited. With no will, you file GPCSF 3, Petition for Letters of Administration; under O.C.G.A. § 53-6-20 the heirs may unanimously select the administrator — otherwise the surviving spouse generally has first preference — and unanimous consent also lets the family waive bond.

Cost and timeline: Fulton County's fee schedule (effective January 1, 2026) lists a $209 initial filing fee for these petitions, plus publication costs when notice must run in the county legal organ; other counties are similar, and the clerk will quote you the exact figure — call and ask. Uncontested petitions with every acknowledgment signed commonly produce letters in two to eight weeks.

Is there a shortcut when the estate is small?

Sometimes you can skip full letters entirely. Both states offer small-estate procedures that end in a court order directing who gets paid — and the office holding the money follows the order.

Ohio — Release from Administration. If the probate estate is worth $35,000 or less (or $100,000 or less when the surviving spouse inherits everything), the court can release the estate without appointing an executor or administrator under publicly available statute R.C. 2113.03. Franklin County has a dedicated department for these filings; its deposit is about $150. Even smaller estates may qualify for a Summary Release under R.C. 2113.031 — broadly, when the estate is $5,000 or less and you paid the funeral, or up to about $45,000 for a surviving spouse — and Ohio Legal Help reports courts process those in about one to two weeks.

Georgia — No Administration Necessary. For intestate estates (no will), GPCSF 9, Petition for Order Declaring No Administration Necessary under O.C.G.A. § 53-2-40 works when the estate owes no debts (or creditors consent) and all heirs sign a written agreement dividing the property. Fulton County charges the standard $209 filing fee plus $25 when real estate is involved. One unreachable or unwilling heir ends this route.

One honest caution for surplus-funds families: the leftover money counts toward these limits. A $50,000 surplus by itself pushes an Ohio estate past the $35,000 line, which means full administration and real letters — worth knowing before you drive to the courthouse.

What if the named executor is dead or unwilling to serve?

This is the normal case for families claiming old surplus money — the will is decades old and the person it named is gone. The will is still valid. If a named alternate executor exists, they apply; otherwise the court appoints an administrator with the will annexed (you will also see 'administrator c.t.a.'). The will still controls who inherits — only the manager changes. Ohio handles this inside R.C. 2113.05, giving preference to people the will benefits. Georgia has purpose-built forms: GPCSF 7 when the will has not yet been probated, and GPCSF 8 when it has. A living named executor who simply does not want the job can sign a renunciation and let the next person step up — declining is common, painless, and far better than an executor who disappears mid-estate.

What do letters cost — and do you need a lawyer to get them?

Budget realistically: an Ohio filing deposit of roughly $100–$300 depending on county and estate type (Franklin County: about $250 full administration, $150 release, $100 summary release), or around $150–$250 in Georgia (Fulton: $209), plus certified death certificates, a few dollars per certified copy of the letters, publication costs where notice must run, and a bond premium if bond is not waived. These are court costs, not lawyer fees — and the clerk will tell you the exact numbers for free before you file.

Honestly: plenty of families get letters without a lawyer. If you are the only heir — or every heir gets along and signs — the debts are manageable, and nothing is contested, the standardized forms in both states are designed to be completed by ordinary people, and clerks (who cannot give legal advice) can still tell you which form and fee applies. Where do-it-yourself breaks down: a caveat or will contest, siblings who will not sign, unknown or missing heirs, creditor or Medicaid claims against the estate, an insolvent estate, money that has already moved to the state, or a Georgia county that only deals with the claimant or a licensed attorney. Those are attorney situations — genuinely, not as a sales line.

That last item matters more than most people expect. Several Georgia tax commissioners — Gwinnett County says it flatly — will only release excess funds to the claimant or a Georgia-licensed attorney, and when the owner has died, the claimant is the estate, which means letters first, then the claim. And the money does not wait forever: unclaimed surplus eventually moves to the state — or in Ohio tax-sale cases, can be permanently forfeited after three years. What is escheatment? explains those deadlines state by state.

Chasing leftover money from a foreclosed family home? Here's the full heir's guide — our attorneys handle the probate paperwork AND the claim with no upfront costs. Capital Quest Group works attorney-led in Ohio and Georgia: licensed attorneys open the estate, obtain the letters, and file the surplus claim, and you pay nothing unless money is recovered.

This guide is education, not legal advice. Statutes and county fee schedules are public information that changes — verify current figures with your county probate court, and consult a licensed attorney in your state about your family's specific situation.

Keep reading

Common questions

Straight answers, before you ask.

In Ohio, an uncontested application with signed waivers from the heirs is often approved in one to two weeks — sometimes days — while required notices, a hearing, or a bond requirement can stretch it to a month or more. In Georgia, plan on two to eight weeks: known in-state heirs must be personally served at least 30 days before solemn-form probate unless they sign acknowledgments of service, so every signature you collect shortens the wait. Contested filings in either state take months.

Not on a calendar. In both Ohio and Georgia, letters remain valid as long as the estate is open and you have not been removed or discharged as personal representative. The practical catch: banks and county offices often want a certified copy issued recently — commonly within the last 60 days — so if your letters are old, ask the probate clerk to certify fresh copies for a few dollars rather than restarting anything.

Yes. Both Ohio and Georgia allow co-executors (and co-administrators), and the letters name all of them. It can be a comfort — siblings sharing the load — but every institution may require both signatures, which doubles the paperwork and the chances of deadlock. Many families name one executor and keep the other sibling informed instead. If a will names two and one does not want to serve, that person can simply sign a renunciation.

The court decides, not the loudest voice. In Georgia, an objecting heir files a caveat — generally within about ten days of being served in a solemn-form probate, or up to four years after a common-form probate. In Ohio, a will contest generally must be filed within three months after the certificate of notice of probate is filed. Objections to who serves as administrator get a hearing, where statutory priority (spouse first, then heirs) usually controls. A contested estate is firmly attorney territory.

Only how they were chosen. An executor was named in the will and receives letters testamentary; an administrator is appointed by the court when there is no will (or no usable executor) and receives letters of administration. Once appointed, both are the estate's personal representative with the same core powers and duties: gather assets, pay valid debts, distribute what remains to the people entitled to it.

Usually not directly — counties pay the former owner or the owner's estate, not individual relatives, and several Georgia counties will only deal with the claimant or a Georgia-licensed attorney. The exception is a qualifying small estate: an Ohio release or summary release order, or a Georgia order declaring no administration necessary, can direct payment without full letters. But the surplus itself counts toward those dollar limits, so larger amounts almost always mean opening the estate properly first.

Yes — same document. Courts issue 'letters' in the plural by tradition, even though you typically receive one certificate, so 'letter of testamentary,' 'letters of testamentary,' and 'letters testamentary' all refer to the court paper proving the executor's authority. Ohio adds one more alias: its combined form is titled 'Letters of Authority,' covering executors and administrators alike. Whatever the label, institutions are asking for the same thing: certified, court-issued proof of your appointment.

Free case review

Start with a free review. No cost, no obligation.

Share a few details and a case manager will check the public record for your property and tell you what may be there, in plain language, before you decide anything.

  • Nothing to pay to request a review
  • You can verify us with the county before you sign anything
  • If there's nothing there, we'll tell you that too

Request your free review

A case manager will reach out within one business day.

Capital Quest Groupis a private recovery company, not a law firm, government agency or court. We don't guarantee any recovery or eligibility. A free review creates no obligation.

Call (888) 301-1182Free review