<prompt> Human: My grandparents on my mothers side have passed and the probate process is taking place. My mother has also passed and Im woefully ignorant of how it all works. its being handled by one of their other children so Im pretty removed. I received a letter in the mail from advance inheritance claiming I can receive cash from my inheritance now regardless of my credit history, employment, or financial situation. It also states that it is not a loan, doesnt have any up-front fees, points, or hidden charges. If you guys could shed some light on all of this it would be very helpful  <response>: Lying scumbags. It is definitely a loan, and you have to pay it back, probably at an extortionate interest rate.In the same family as payday loans and title loans. 