Questions answered by Ivette M Santaella

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Insurance question

Ivette's answer | Answered on June 23, 2014

Hello, In addition, if your Dad did not contest paying the policy for over (20) years it appears that he wanted the policy. The other counsel...

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Is an affidavit inadmissible if a direct family member writes it and notarizes it?

Ivette's answer | Answered on June 23, 2014

Hello, The purpose of notarizing a document is to independently confirm that the person signing the document is the person who drafted and/or...

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My brother filed for power of attorney vover 2 years ago and has been misusing it.

Ivette's answer | Answered on June 23, 2014

Hello, In addition, if you have solid evidence of fraud & embezzlement - please note that it has to be objective evidence -- not based on one's...

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Does a POA need to be informed that he/she has been replaced by another POA?

Ivette's answer | Answered on June 23, 2014

Hello, In addition, it would be good practice to inform the banks and other third party sources that regularly deal with your Mom of the change...

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My 80 year old Uncle doesn't want to talk about what to do when he dies. Legally what power do I have to take care of him

Ivette's answer | Answered on June 23, 2014

Hello, If he is still mentally competent, there is nothing you can do to convince him to draft his estate plan. But you can explain to him the...

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Can you inform me about time affect of life insurance policy please.

Ivette's answer | Answered on June 23, 2014

Hello, Once the paramed is completed [examination of blood and urine], you would be rated and that would determine the premium & the insurance...

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Mom passed intestate

Ivette's answer | Answered on June 23, 2014

Hello, If your Mom & Stepdad held as tenants in common, depending on the equitable distribution laws of PA., whatever interest belongs to her...

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Reverse Mortgage Scam. Recently deceased mother, had reverse mortgage, got letter regarding foreclosure. Champion Mortgage Co.

Ivette's answer | Answered on June 23, 2014

Hello, It is recommended that you check the mortgage papers as to the terms of repayment. Champion would have to honor whatever arrangement...

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After the death of the primary holder of a life/annuity insurance policy can meidicaid take that money

Ivette's answer | Answered on June 23, 2014

Hello, The insurance company will pay the policy proceeds to the beneficiary directly. If the beneficiary owes Medicaid money, it may use the...

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My sister passed away in June 2013. She left behind two daughters, age 14 and 22 at the time.

Ivette's answer | Answered on June 23, 2014

Hello, You can either petition for guardianship of your younger niece yourself but you will have to do so in Florida or advise consult Florida...

Ivette M Santaella's Answers (6836)

Insurance question

Is an affidavit inadmissible if a direct family member writes it and notarizes it?

My brother filed for power of attorney vover 2 years ago and has been misusing it.

Does a POA need to be informed that he/she has been replaced by another POA?

My 80 year old Uncle doesn't want to talk about what to do when he dies. Legally what power do I have to take care of him

Can you inform me about time affect of life insurance policy please.

Mom passed intestate

Reverse Mortgage Scam. Recently deceased mother, had reverse mortgage, got letter regarding foreclosure. Champion Mortgage Co.

After the death of the primary holder of a life/annuity insurance policy can meidicaid take that money

My sister passed away in June 2013. She left behind two daughters, age 14 and 22 at the time.