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For RayAnswers Ray, Regarding the Medicaid issue. Once I

For RayAnswersRay,Regarding the Medicaid issue. Once I caught on that something was wrong, I demanded that the attorney turn over the case files and the Medicaid applications so that I could figure out what happened. But she would not send them to me, and then when I demanded answers to my questions regarding the errors and omissions, she threatened to sue us for slander and defamation of character if we were to pursue any claims against her.I am going to file a grievance in addition to the civil case, because when we went to arbitration she tried to turn it all around and blame me and my mother for the delays, and she mislead and made a litany of demonstrably false statements that I was able to prove were not true, just by using the email evidence, and her own exhibits that showed that what she was saying was totally false.She even accused me in her sworn pleadings that I fabricated an email account for my mother, and sent it to the attorney under my mother's signature without her knowledge. That was not true, and I proved that it was not true in my answer by showing emails from that address going back 10 years, and I had attached a letter to the email where my mother stated that she had read the emails, she approved of them, and I had her sign the letter and date it. I also added an affidavit to my answer, where my mother stated that she was in the room when I used her computer to send the emails from he address, and that she had read them and approved of them, and that she had signed the letter on the attachment. So basically the attorney accused me of forgery, and I proved that it was a false allegation, and she never retracted the accusation, and the firm had notice of the inaccuracy and they failed to do anything about it.NY and NJ are the only two states where you can file the grievance against the law firm as well as the attorney if you can show that the firm knew about the breaches at the time they were committed and they did nothing to stop it. The attorney is an associate, and the partners are obligated to supervise her.Since the arbitration was against the attorney and the firm, when I sent in my answer to her memorandum that had all of the misleading and false statements, I served it on the firm before the arbitration hearing. And they had plenty of time to review my answer because the attorney requested an adjournment so that she would have time to review my pleadings.So the firm had notice that she misled, and they did nothing about it to correct it prior to the hearing. So I am going to file a grievance against both the attorney and the firm.

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Ray

Lawyer

Doctoral Degree

41,440 satisfied customers
Our owner hired a women to do marketing as an independent

Our owner hired a women to do marketing as an independent contractor. However, she works in our office and he determines where she advertises, etc. #1 should she really be classified as a contracted employee or a regular employee. #2 can we write a contract that relieves us if she is injured while on company property, so that should would not be covered under our work comp or building insurance? Should she have a work comp policy for herself? #3 what is our general liability with an independent contractor doing marketing for us?JA: Not for this question, but they might if you need additional services. You'll have to ask the Lawyer about that. Because employment law varies from place to place, can you tell me what state this is in?Customer: MICHiganJA: Has anything been filed or reported?Customer: No, this is me asking upfront because my boss wants her to sign a contractJA: Anything else you want the lawyer to know before I connect you?Customer: That my employer has asked her to be in the office to do the work and has asked her to help answer phones. She also has a pre-existing injury and we are a manufacturer and she has access to the entire shop.

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Marc

Attorney at Law

JD

528 satisfied customers
I was going to pull up my most recent financial plan to cut

I was going to pull up my most recent financial plan to cut and past the exact text but the basic issue I have is that the financial advisor I have been paying for an annual financial plan for many years told me in the last years plan that both my wife and I could afford to retire this year. However after I quit my job, she told me I need to get another job that pays the same for some number of additional years. So now instead of being retired I am unemployed and scheduled to see a psychiatrist for anxiety and depression in a couple days. There was not any significant change in our spending or investments value over the year and a second advisor has since identified errors and unrealistic assumptions on the last two years plans from the original advisor. My question is if I may have any grounds to sue her.JA: Because employment law varies from place to place, can you tell me what state this is in?Customer: CaliforniaJA: Has anything been filed or reported?Customer: I don't know what you mean. If you mean legal filings agains her then no.JA: Anything else you want the lawyer to know before I connect you?Customer: Just that the advisor is licensed and works for Ameriprise.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

115,336 satisfied customers
I purchased a new car and traded in a car that I was upside

I purchased a new car and traded in a car that I was upside down on. I purchased GAP through the dealer. I tried to get my financing done through my credit union but they took too long so I financed through another bank. I finally got into contact with my credit union and they stated they couldnt do as a new loan but as a refi since I already purchased. I refi and thought all was well. I ended up getting into a not at fault accident and my car was totalled. Going through the insurance process they paid off 21k and told me the rest should be covered through GAP. The credit Union told me I didnt have GAP and I told them I did.... I even have contract in hand. The rep then told me that when I did the refi that it cancelled the GAP I had on the original loan and I should have purchased a new GAP policy on the refi loan. Well this wasnt explained to me and it was not offered to me at all. Now I amon the hook for close to 12k! What if anything can I do? I live in California if that helps.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

115,336 satisfied customers
The sellers of a property had an extension on paying the

The sellers of a property had an extension on paying the property taxes. After I bought the property I was charged for the past property tax. Since escrow should have deducted this cost how do I go about getting reimbursed for those taxes? Should I ask Escrow to pay me back?

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Ray

Lawyer

Doctoral Degree

41,440 satisfied customers
I sold my home a few months ago, and although I was selling

I sold my home a few months ago, and although I was selling "by owner," the buyer insisted on hiring an agent to represent him. A non-agency agreement was made part of the sales agreement, stating that the agent commissions would be paid by the buyer. Upon signing the closing documents, the escrow officer quickly summarized all of the numbers and I signed my portion of the contract. Several weeks later, I found that I had been assessed a seller's credit to the buyer for the amount of the commission. I was never asked to provide this credit, and I never signed an addendum or amendment to the contract giving my permission. When I asked the escrow officer and the buyer's agent about this, I was told the credit was to be paid back to me by the buyer, after close of escrow.Now, I am fighting to get the buyer to pay it... which he is refusing. I was told by one of your attorneys that I should go to the real estate broker and demand payment. The broker tells me it is not his responsibility, and that I need to get the payment from the escrow company since it was their mistake.Who is right in this situation? I don't care who pays me back, but I am owed the money and want to get it paid.

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Ray

Lawyer

Doctoral Degree

41,440 satisfied customers
Had a commercial insurance fire loss 31/2 yrs.ago.about 2

had a commercial insurance fire loss 31/2 yrs.ago.about 2 year ago we need to pay 1/2 fee to ins. co. [auto-owners] for an "umpire" & also need to hire a private adjustor to hear the dispute,i.e. between policy holder & ins.co. the umpire naturally found in favor or the co. looking back the agency that sold us the policy did not let us know an umpire would set the figure of our policy covereage. we were 1/2 insurer on the structure,had $750,00--umpire set the building amount award $380,000--the co. sent us a letter and state it over & closed the claim. we also found after the loss the agency that we had no inv.included under our business garage package. the building could not be rebuilt for less than 1.1 kkk our agent first stated we were under insured so a 20%-80%would apply??is the agency @any fault & is it past any limitation time??? no local attorney is very excited to file upon the ins agency--bk&c of Cheboygan mi

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

115,336 satisfied customers
My contractor has a current policy insurance insurance that

My contractor has a current policy for liability insurance insurance that has a million dollar coverage for each occurrence. He has agreed that the workmanship is poor and needs addressing. They basically destroyed in the interior of my home, electrical, floors etc...He has broken some laws in doing so. Been legally deceptive. I have been trying to work with him but in the end he is not wanting to fix ALL the work,just part of the damages. I am well within the time frame to file a lawsuit. We live in louisiana. The contractor, who I thought was very honest, I now know he has lied about many things, perhaps false reports and fraud. With all that said, he wrote me a letter and said he has NO insurance. I confirmed the policy was up to date, but he wrote back he has no E & O coverage ? so he says, no insurance ! What is an E & O policy ? and what would it exclude if I have a claim ? Thank you..Terri

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Roger

Litigation Attorney

Doctoral Degree

34,834 satisfied customers
In Texas, closing on a house and have questions regarding the

In Texas, closing on a house and have questions regarding the closing costs. They want to charge me prepaid homeowners insurance for 12 months ($1675.00) plus another 3 months homeowner insurance ($419) as "Initial Escrow Payment at Closing". That seems ridiculous. First, why are they entitled to 1 yr homeowner insurance premium? I can see the lender wanting insurance on the property; however, once I obtain the insurance that should satisfy the lender. How I pay for the premiums is between me & my homeowner's carrier. Second, is lender double dipping by asking for 12 months plus 3 months monthly insurance premium?Another question, what's the purpose of Title Insurance? Is it mandatory I purchase Title Insurance? What is Mortgage Insurance? Is that mandatory? What is difference between Owner Title Insurance and Lender Title Insurance? Thank you for assisting me in answering these questions.

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Maverick

Doctoral Degree

7,722 satisfied customers
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