My father in law retired from theArmy. He developed Alzheimers and we cared for both of my husbands parents for several years. When he passed away, my husband had his life insurance from the Army sent to an irrevocable trust to pay for his, my mother in law and my husbands simple cremation. We brought the urns home. No cemetery plot no service at the funeral home, just a Catholic Mass of Celebration of their life. The money was supposed to be kept in a trust for my mother in law( she died a few months later) and my husband. When my husband passed unexpectedly, I went with my daughter to make arrangements( full of sedatives and in shock. The director told me my husband still owed for his mother ..... six years earlier. I didn’t think that was right but signed a paper he would fill in later. I taught this guys kids in school and trusted him. A few days later I was going thru my husbands brief case and found an envelope with a bill for my father in law ‘s simple cremation doctored up to the tune of $10,000,00!! This is a tiny little town. We went to court where I got another bill for $12,000,00 for Mom and my husband. All three of them for top dollar cremation services was $22,000,00 that they stuck me with. They took my father in law’s entire military insurance just for him, waited for my husband to die to go after a widow on social security. They committed fraud quite clearly, but if I sue them and lose, my lawyer said they may come after my home. They belong in federal prison. I’m still paying.