I'm Kristine Moe, handling the estate of my fiancee, Billy E. Shelton. He had a credit card with First North American National Bank, now called Emerge. Had been paying for their Total Protection Plan, which was to pay the balance of the account when he died. Called Emerge they gave me instructions on what to do. Submitted claim with death certificate to address they gave me on the phone on 9/13/05, got another phone call from them wanting me to send a second death certificate to another address, mailed it on 9/20/05 which wa... read full review »