In XXXX my mother in law died she had no living relatives to bury her. She had XXXX insurance policies signed over to the Funeral home XXXX/ XXXX XXXX . They took every penny. The funeral was priced at around XXXX. Being a widow I did n't not receive one dime of the proceeds. I took the budget funeral pkg. I do n't know what happened to the money, but I went to XXXX for the arrangements because they had received XXXX in a pre burial arrangement prior to XXXX XXXX demise. The next thing I found out was XXXX XXXX has transferred the arrangements to XXXX. There was always something shady about XXXX. I tried numerous times to contact him to no avail. Whatever transpired between the XXXX funeral homes is not my responsibility. The problem lies in the accounting and bookkeeping with them. I owed nothing before or after she was buried, well over {$20000.00} dollars went somewhere. The burial plot, cemetery fees etc were all paid for. I guess XXXX XXXX is the collection agency. This is true information no scam. Thank you