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Questions Answered by Mr. Lowell J. Kuvin
1 Answer | Asked in Family Law for Florida on
Q: How do i file a written response for a summons i received?summons:personal service on a natural person
Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 16, 2011

You do not need to file a written response to the summons, unless you are going to contest the jurisdiction of the court over you. What you do need to do, is file an answer to the complaint/petition, which is usually required to be filed, and served upon the other party within 20 days of service.

2 Answers | Asked in Estate Planning for Florida on
Q: Can TOD accounts be distributed immediately to a beneficiary, or is there a waiting period?
Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 16, 2011

Generally, a TOD account becomes the property of the remaining owner(s) of the account "upon the death" of the co-owner(s). However, TOD accounts are governed by the contrast/agreement which was signed by the owners of the account. Therefore, you must look to the contract for the answer... View More

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1 Answer | Asked in Estate Planning for Florida on
Q: Power of attorney over a dying woman of 45 whose mother and children disagree on how and where she will pass.
Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 16, 2011

A power of attorney to make decisions for a dying person is only as broad as the documents allows (there are limits). Additionally, the power of attorney is only good up until the point where the dying person becomes totally incapacitated. At that point, you would need a Durable Power of Attorney... View More

2 Answers | Asked in Employment Law for California on
Q: Does 28:1441 Notice of Removal - Labor/Mgmnt. Relations in a class action lawsuit mean the case was dropped?

There was a class action lawsuit against my work for unpaid wages and I am to benefit if a settlement was reached but the cause of action states 28:1441 Notice of Removal - Labor/Mgmnt. Relations. And I am not sure what this means

Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 15, 2011

No, it means the case was originally filed in state court and now the case has been removed to Federal court. Your lawyer can file a Motion to Remand the action back to state court, however, remand of a case which pleads only federal causes of action are usually not remanded.

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1 Answer | Asked in Employment Law for North Carolina on
Q: Can I collect unpaid wages from 2004 and 2005
Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 15, 2011

The statute of limitations for the FLSA (federal law) is up to three years. Your state may have a longer statute of limitations. I suggest you contact a local labor attorney who can help you with the laws in NC.

1 Answer | Asked in Employment Law for Nevada on
Q: What proof do I need to prove age discrimination?

A person has replaced my position whom does not meet the positions qualifications. Several company people have said, "this just is not right." The company did not fire me but they have demoted me to a lower position with lower pay. (Until this happened---no negative feed back from management).

Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 15, 2011

Age discrimination under Federal law (40 or over) is proven by showing you applied for the position, you were qualified for the position, you were not hired, a person under 40 with less experience was hired. It is a burden shifting, preponderance of the evidence, type trial. The employer will have... View More

1 Answer | Asked in Consumer Law for Florida on
Q: If a company that you think is a scam has taking money out of your account can u demand the money back if within 30 days

I got a call for a free crusie that i filled out online and i got a call back that says i won but i had to pay $118 to take the trip. i fell for it and gave them my card number and they took the money. after i did my research, i discovered that this was a scam and i would like my money back. They... View More

Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 15, 2011

I have never heard of a law which requires someone/company to refund money within 30 days. However, you can call your bank and tell them you want to contest the withdrawal because you did not get what you were promised. I hope you used a credit or debit card. Make sure you monitor your account to... View More

1 Answer | Asked in Consumer Law for Florida on
Q: If a mortgage/loan is granted w/o an appraaisel is the obligation to pay still there?
Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 15, 2011

Yes, if you actually borrow the money. Mortgages are contracts which outline how the note is to be repaid. The note is also a contract which basically says; here is X amount of dollars to be paid back as outlined on the mortgage. Whether there was an appraisal of the property or not, the note must... View More

1 Answer | Asked in Consumer Law for Florida on
Q: I'm jobless, sinlge mom of two, only source of income is the VA disability. Can the creditor garnish my income?
Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 15, 2011

A loophole currently exists that allows debt collectors to freeze bank accounts in order to seize veterans' benefits. In an effort to stop this behavior, the Obama administration has proposed a new set of rules published by the Treasury Department.

Banks have been at the mercy of...
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1 Answer | Asked in Consumer Law for Florida on
Q: Can a judgement lien be placed on a homestead property?
Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 15, 2011

Yes, the lien can be placed. However, the judgment lienor cannot force the sale of the property because it is a homestead. The lienor would have to wait until the property was no longer a "homestead" such as if the property was sold or you moved away to a new homestead.

1 Answer | Asked in Consumer Law for Florida on
Q: I lost my cool with a bill collector and used profanity. I live in FL. The collector was in NC. Did I break the law?
Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 15, 2011

The First Amendment is still alive and operational int he United States. No you did not break any laws.

1 Answer | Asked in Consumer Law for Florida on
Q: I own property from a deceased relative who still owes the bank. The estate is insolvent. No executor coming forth.

Property was in modification status prior to relative's death. I pay the loan. Chase refuses to give me the balance or confirm when the payments go back to original amount. I have the loan mod. packet given to me prior to my grandparent passing. What rights, if any, do I have? I just want to... View More

Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 15, 2011

There are basically two issues here; the loan modification and an estate without an executor. You can petition the court to appoint an different person to become the executor of the estate if the person, I assume was mentioned in the will, refuses. As for getting the property loan modification, all... View More

1 Answer | Asked in Consumer Law for Florida on
Q: Is there a law suit for this (see discription

Apparently this is a huge scam, a young lady came to my door stating that she was selling magazines to earn money for college and the mo0re she sold the more points she would get the more points she got6 she could wijn a trip abroad. I didnt really have the money to spend but I felt bad and she... View More

Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 15, 2011

Save all of your canceled checks and if you do not receive the subscriptions you signed up for in a reasonable amount of time, you should file a complaint with the Florida Attorney General's office. You could also file a lawsuit in small claims court and ask the court to waive the filing fees... View More

1 Answer | Asked in Employment Law and Arbitration / Mediation Law for Florida on
Q: Can one argue to get out of a pre-employment ADR?

Since the employment contract was extended with the acceptance of a signed and returned ADR agreement only with 48 hrs to accept the offer.

Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 15, 2011

You can always argue. A pre employment ADR is more difficult to get out of as opposed to an ADR which was entered into during your employment. The court would certainly take into account that you only had 48 hours to accept the agreement if you were to challenge it.

1 Answer | Asked in Employment Law for Florida on
Q: If I go Pro Se in a securities arbitration case against my former employer, how do I request all of there documents?

I am in the Financial Services field and recently (voluntarily) resigned from my employer (FL). Shortly after I left, I was notified that my U 5 and C R D report (brokers check) was negatively marked by my previous employer. These comments are preventing me from gaining new employment with another... View More

Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 15, 2011

First of all, they have to provide you with the documents they say support their case. As yo read through the charges, you need to think "what documents do they have that will support my side of the story." You must also provide them with any documents you plan on introducing during the... View More

1 Answer | Asked in Employment Law for Florida on
Q: My friend, a hairdresser has not been paid his last check - who should he notify at Department of Labor?
Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 13, 2011

If he is in Dade County, he can file a claim with the small business office of Miami-Dade under the new wage theft ordinance. He can receive up to triple what he was shorted. If he is outside of Dade, contact a lawyer who does employment law. DOL is a bad choice because they cannot recover more... View More

1 Answer | Asked in Employment Law for Florida on
Q: As an hourly scheduled employee, am I obligated to working after hours, so to speak?
Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 13, 2011

According to the Fair Labor Standards Act (federal) and the Florida Minimum Wage Act (state), you must be paid for every hour you work. Work is defined a suffrage for the benefit of the employer. You can obtain double and sometimes triple the amount you were shorted. Look us up if you need more... View More

2 Answers | Asked in Real Estate Law for Florida on
Q: What must I do to obtain a final order in a mortgage foreclosure case?
Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 22, 2011

also, make sure the proposed order you give to the Judge is the proper form. Ask the clerk of the Court for a copy of the form or call and ask the Judge's chambers.

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1 Answer | Asked in Criminal Law for Florida on
Q: Should I plea under duress with my aggravated assault against a pregnant person?
Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 6, 2011

If you were under duress, then you can plead it. However, aggravated assault against a pregnant woman is a serious crime which you should consult with an attorney before making any decisions about a defense. Ask the judge to appoint a public defender if he has not done so yet.

1 Answer | Asked in Employment Law for Florida on
Q: If I go Pro Se in a securities arbitration case against my former employer, how should I prepare for the case?

I am in the Financial Services field and recently (voluntarily) resigned from my employer (FL). Shortly after I left, I was notified that my U 5 and C R D report (brokers check) was negatively marked by my previous employer. These comments are preventing me from gaining new employment with another... View More

Mr. Lowell J. Kuvin
Mr. Lowell J. Kuvin
answered on Jan 6, 2011

First read up on the rules you will be arbitrating with. Procedure is VERY important. Make sure your employer follows the proper path. Make sure you request any and all documents from any source that you may need to prove them wrong; having a clean license is more important than wining a defamation... View More

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