There is a new scheme – not to be confused with scam – on the horizon involving probate courts. Say you’ve lost a family member or loved one, and you are in that person's will. Soon after the death, you get a call from someone saying his company has money for you. He claims that, as an heir to the deceased, you can receive the money right away. All you have to do is sign over the will to that company. These companies hire runners to go to the courthouse to see who has died and what family members are listed in the will. They then offer to hand over the money much quicker than the heir would normally receive it, in return for 70 percent of the amount. Surprisingly, people are signing up for this in droves and giving away most of their inheritance. If you are approached by one of these companies, run the other way. If you are in the will, you will get your money. And you’ll get it all if you are patient.