The trust law merger doctrine stymied Mary O’Toole’s apparent plans to protect her husband John Pallohusky from a judgment creditor. What wiped out Pallohusky’s protection against efforts by the Chicago Police Sergeants’ Association to collect on a $690,215 judgment was the fact that Pallohusky was both the trustee and the sole beneficiary of the testamentary trust that received title to O’Toole …