My mother had lived with "Bob" for almost 40 years. He isn't my legal father but raised me from 7 on up. "Bob" died a month ago. They were not legally married. We have received refund checks for vehicle insurance and cell phone that I cancelled that was prepaid by "Bob". They had a joint checking account and when he passed, I closed that account and opened a new one for my Mother. We have received the refund checks but the companies issued the directly to "Bob". I asked if they would reissue to my Mother or at least the funeral home and I was told no, they have to go to "Bob". If I give them a copy of the death certificate and the check copy written to them and showing their names, that be wo