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The individual responsible for organizing a funeral is accountable for all funeral-related expenses, including those for the funeral director and cemetery. Typically, this responsibility falls to the executor, who is nominated by the deceased and may be named in legal documents and wills. In the absence of an executor or will, a relative may arrange the funeral. In cases where the deceased has left behind an estate, funeral expenses may be paid from those funds.

In some situations, banks may allow for payment of funeral expenses from the bank account of the deceased person prior to probate, provided an invoice and medical cause of death or coroner’s order are provided. Relevant documentation, such as the death certificate, may also be required, and the bank may insist on paying the funds directly to the funeral service provider.

It is common for funeral directors and cemeteries to require payment in advance of the funeral. Some may offer payment plans to assist with this process. It is important to note that payment for funeral expenses can generally be made before probate or the funeral itself, provided the necessary documentation and payment arrangements have been made.