Notice to creditors regarding the estate of Joseph Kowal, deceased.

NOTICE TO CREDITORS 
IN THE CIRCUIT COURT FOR SARASOTA COUNTY, 
FLORIDA PROBATE DIVISION 
File No. 2025 CP 006215 NC 
Division Probate 
IN RE: ESTATE OF  
JOSEPH KOWAL 
Deceased.  
The administration of the estate of Joseph Kowal, deceased, whose date of death was November 13, 2025, is pending in the Circuit Court for Sarasota County, Florida, Probate Division, the address of which is 2000 S. Main St., Sarasota, FL 34237. The names and addresses of the personal representative and the personal representatives attorney are set forth below. 
All creditors of the decedent and other persons having claims or demands against decedents estate on whom a copy of this notice is required to be served must file their claims with this court ON OR BEFORE THE LATER OF 3 MONTHS AFTER THE TIME OF THE FIRST PUBLICATION OF THIS NOTICE OR 30 DAYS AFTER THE DATE OF SERVICE OF A COPY OF THIS NOTICE ON THEM. 
All other creditors of the decedent and other persons having claims or demands against decedents estate must file their claims with this court WITHIN 3 MONTHS AFTER THE DATE OF THE FIRST PUBLICATION OF THIS NOTICE. 
The personal representative has no duty to discover whether any property held at the time of the decedents death by the decedent or the decedents surviving spouse is property to which the Florida Uniform Disposition of Community Property Rights at Death Act as described in ss. 732.216-732.228, Florida Statutes, applies, or may apply, unless a written demand is made by a creditor as specified under s. 732.2211, Florida Statutes. The written demand must be filed with the clerk. 
ALL CLAIMS NOT FILED WITHIN THE TIME PERIODS SET FORTH IN FLORIDA STATUTES SECTION 733.702 WILL BE FOREVER BARRED. 
NOTWITHSTANDfNG THE TIME PERIODS SET FORTH ABOVE, ANY CLAIM FILED TWO (2) YEARS OR MORE AFTER THE DECEDENTS DATE OF DEATH IS BARRED. 
The date of first publication of this notice is February 20, 2026. 
Personal Representative: 
Christina Ann Kowal 
c/o Ledbetter Cowan Law Group 
229 Pensacola Rd. 
Venice, FL 34285 
Attorney for Personal Representative: 
Ledbetter Cowan Law Group 
Steven W. Ledbetter, Esq.,  
FL Bar No. 41345  
Email: steve@LedbetterLawFL.com 
Callie W. Cowan, Esq.,  
FL Bar No. 57893  
Email: callie@LedbetterLawFL.com 
Jada W. Terreros, Esq.  
FL Bar No. I032584  
Email: jada@LedbetterLawFL.com 
Oksana Melnichenko, Esq.,  
FL Bar No. 1059375  
Email: oksana@LedbetterLawFL.com 
229 Pensacola Road 
Venice, Florida 34285 
Tel: (941) 256-3965  
Fax: (941) 866-7514 
2nd Email:  
probate@LedbetterLawFL.com 
February 20, 27, 2026	26-00413S