Notice to creditors regarding the estate of Joy Sica Naylor.

NOTICE TO CREDITORS 
IN THE CIRCUIT COURT OF THE TWELFTH JUDICIAL CIRCUIT IN AND FOR SARASOTA COUNTY, FLORIDA 
PROBATE AND GUARDIANSHIP DIVISION 
FILE NO. 2026-CP-000884-NC 
IN THE ESTATE OF  
JOY SICA NAYLOR A/K/A  
JOY S. NAYLOR, Deceased. 
The administration of the estate of Joy Sica Naylor, deceased, whose date of death was August 3, 2025, is pending in the Circuit Court for Sarasota County, Florida, Probate and Guardianship Division, File Number 2026-CP-000884-NC, the address of which is P.O. Box 3079, Sarasota, FL 34230-3079. 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, including unmatured, contingent or unliquidated claims, 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 the decedents estate, including unmatured, contingent or unliquidated claims, 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 Sections 732.216-732.228, Florida Statutes, applies, or may apply, unless a written demand is made by a creditor as specified under Section 732.2211, Florida Statutes. 
ALL CLAIMS NOT FILED WITHIN THE TIME PERIODS SET FORTH IN SECTION 733.702, FLORIDA STATUTES, WILL BE FOREVER BARRED. 
NOTWITHSTANDING 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 March 13, 2026. 
Personal Representative:  
Caldwell Trust Company  
27 South Orange Avenue  
Sarasota, FL 34236 
c/o Jan Miller, Senior Executive VP  
and Trust Officer 
Attorney for the  
Personal Representative  
Neil W. Scott 
1800 Second Street, Suite 790 
Sarasota, FL 34236 
FBN 402575 
Tel. (941) 906-8555 
Email address: neil@nwscott.com 
Secondary email address for service: service@nwscott.com 
March 13, 20, 2026	26-00573S