Categories
Updates

DV-2011 Registration Period Begins October 2

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The online registration period for entering the 2011 Diversity Visa
lottery begins at noon, Eastern Daylight Time, Friday, October 2 and
ends at noon, Eastern Standard Time, Monday, November 30. Individuals
interested in applying for the DV-2011 program and being considered for
permanent residency in the U.S. through the program should apply for
the lottery on Form DS-5501, the Electronic Diversity Visa Entry Form,
during this open registration period. The form can be accessed online
at www.dvlottery.state.gov. Paper entries will not be allowed.

The Diversity Visa program makes available visas to people that meet
the program’s simple requirements for eligibility, including being a
native of a country whose natives qualify for the program and meeting
either the education or work experience requirement of the lottery
program (a high school education or its equivalent OR two years of work
experience within the past five years in an occupation that requires at
least two years of training or experience to perform).

A maximum of 55,000 visas will be distributed among six geographic
regions, with more visas going to regions with lower rates of
immigration. Visas are not available to nationals of any country that
has sent more than 50,000 immigrants to the U.S. over the last five
years. Further, within each geographic region, no one country can
receive more than seven percent of the available visas in any one year.

For the 2011 Diversity Visa lottery program, natives of the following countries are not eligible to apply:

Brazil, Canada, China (Mainland-Born), Colombia, Dominican Republic,
Ecuador, El Salvador, Guatemala, Haiti, India, Jamaica, Mexico,
Pakistan, Peru, Philippines, Poland, South Korea, United Kingdom
(Except Northern Ireland) and its Dependent Territories, and Vietnam.

Please note that people born in Hong Kong Sar, Macau Sar ad Taiwan are eligible for this year’s program.

Categories
SideBar

Can Debt Settlement Firms Help Me?

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You have probably come across ads by companies offering to settle your credit card bills for pennies on the dollar claiming that their services will cut your bills and save you thousands of dollars. If you have already maxed out your credit card balances and are already drowning in credit card debts, these offers would sound like the very solution you need. Do these offers sound like a scam? Or, can debt settlement firms really help you reduce your debts?

How does a debt settlement firm work? The debt settlement firms operate by collecting money from you every month. In the meantime, they do not pay your creditors. They merely put the money they collect from you in a trust fund. When you have already built up enough funds, they then negotiate with the creditors for a reduced payment and pay-off your bills in full. In theory, this is the way it is supposed to work 

The reality, however, may be different.

Before you sign up, you need to consider a few things. First, you need to consider the fees being charged. The fees charged differ for each company. There is no industry standard. Typically, however, there is an initial set-up fee and a monthly fee that a client is supposed to pay month after month.  This being an unregulated business, it is not unusual for clients to learn later on, that these firms together with the client’s money have vanished.

Clients make monthly payments to these firms thinking that these firms are already taking care of their debts. This is not so.  You need to know that during all the months that the debt-settlement company is collecting from you and trying to build up enough funds to pay off the creditors, it does not settle anything at the beginning. In the meantime, all your credit card obligations remain unpaid, the unpaid bills are still affecting your credit scores and you may still continue to get collection calls from your creditors.   

There are also usually high dropout rates from clients before the company reaches a settlement with their creditors. Let’s say, for example: that a client owes $20,000 in credit card debts. Assuming that a debt settlement firm intends to settle that  $20,000 debt at 50% off or at $10,000; and, assuming also that a debtor pays $500 a month into the trust fund of the debt settlement firm, it will take 20 months for that $500 monthly contribution to reach $10,000.  During those 20 months when the firm is not doing anything on your debt, the debtor still pays a monthly fee to the firm in addition to the $500 a month payment accumulated in the trust fund.  Note that while your fund is accumulating for the next 20 months the debt settlement firm does nothing to reduce or cancel your debt. After 20 months, the firm may indeed be able to settle the debt for $10,000 but chances are the lender will not even wait for 20 months without doing anything. Chances are, the lender will initiate a collection suit in court long before 20 months. At this time, the debt settlement firms cannot do anything, as they are not authorized to practice law in a collection lawsuit. Thus, clients end up in exactly the same place they were before …… with unpaid debts and a collection lawsuit to boot.

You should also consider that debt-settlement has tax consequences. The amount forgiven by a creditor may be a taxable income. This is money that you now owe to the IRS. The problem with this is that if a client ultimately has to file for bankruptcy, it may put some clients in a worse situation. This is because tax debts may not be dischargeable in bankruptcy while the credit card debt was a dischargeable debt.

So, when is debt-settlement right for you?  
 
Debt settlement would probably be a good solution for only a small portion of the population.  You would probably be a good candidate for debt-settlement if you are ready to file for bankruptcy but do not qualify for a Chapter 7 filing (If a client qualifies for Chapter 7, most people would just file Chapter 7 and get a discharge on all the debts instead of only a portion of it in a debt-settlement).  On the other hand, in a Chapter 13 filing a client will be obligated to schedule a payment of debts with creditors over a 3 to 5 year period. Hence, in these kinds of cases, debt-settlement may be a viable alternative instead of filing for Chapter 13. 

Debt settlement companies do provide a service. However, it is in your interest to do the legwork first and find out if it is the right solution for you for the specific situation that you are in.    

(DISCLAIMER: material presented above is intended for informational purposes only. It is not intended as professional advice and should not be construed as such. Rey Tancinco is a partner at Tancinco Law Offices, a professional corporation with offices in San Francisco, Vallejo, and Manila. The law office website is at: tancinco.weareph.com/old.  Rey Tancinco can be contacted at (800) 999-9096 or (415) 397-0808 or via email at: attyrey@tancinco.com.)

Categories
Updates

USCIS May Increase Fees for Immigration Services

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Earlier this week, on a visit to Los Angeles, Alejandro Mayorkas, the
new Director of USCIS, stated that the federal agency may have to raise
fees and cut the budget for immigration services next year. According
to Mayorkas, financial challenges have led to the agency considering to
raise fees for immigration services. Currently, USCIS is looking at
generating $118 million less in revenue this year, due to a smaller
amount of individuals and employers applying for citizenship and visas.

The number of individuals applying for citizenship declined greatly
last year; many believe that decrease was due, in large part, to a 2007
increase in fees for citizenship applications. Advocates of immigrants
believe that any further fee increases will lead to even more drastic
reductions in citizenship applications in the years to come.

According to Mayorkas, USCIS is required to be a self-supporting
agency. While USCIS is seeking an increase in federal funding –
recently, they requested just over $206 million in funds from Congress
– it is possible, Mayorkas says, that immigration services fees will
increase again in the near future.

Categories
Immigration Round Table

Rescinding an Adoption Decree Required to Petition an Orphan

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Dear Atty. Lou,

The biological mother of my three nieces and nephew was my oldest sister. The latter died in January 2007 and their biological father died in March 2008. Since her death, we decided to pursue legal custody of the children since they are full orphans. We, my wife and I, were awarded custody on August 2008 through Philippine Court RTC 89, so we can cover their medical/dental insurance and to be their legal custodian.

We were not aware that when we decided to adopt these children, one of the requirement is that if we had current legal custody and not vacated/annul, we cannot apply I800, therefore will not be able to adopt and petition the children. This is based on Question 19 on I800 form. We need your help to annul/vacate/terminate our legal custody at this point so we can complete our adoption. Please advice on how to annul/vacate our legal custody of our three nieces and nephew who currently live in the Philippines, for the purpose of International Adoption through ICAB Philippines and to meet the requirement of filing I800 question 19.

Adopting Parents

Dear Adopting Parent,

Last year, the US ratified the Hague Convention on Protection of Children and Cooperation in Respect of Intercountry Adoption (Hague Convention). The regulations on intercountry adoptions became effective on April 1, 2008. Philippines is one of the Hague Convention countries

According to the new regulations, those wishing to adopt from the convention country must course it through an accredited adoption service. The US Department of State website contains information on who the accredited adoption service providers.

A Central Authority or its designee is located in its Hague Convention country to determine whether the adoptive parent is qualified to adopt and whether the child to be adopted meets the definition of an eligible child. The Intercountry Adoption Board (ICAB) is the Central Authority in the Philippines,

Under the new procedure, the Immigration Forms I-800A and I-800 are filed first to start the process and if it is approvable that is the only time the adoptive parent may file the adoption petition with the court. The regulations maintain also restrictions that prohibit the birth parents, orphanage from contacting each other before the approval of the petition.

The Form I-800 will be denied if the children are already legally adopted before filing the I-800. To comply with the law, the regulations provide a way to have this adoption terminated or annulled before the form I-800 may be approved.

To annul or rescind an adoption decree from the Philippine Court, you should follow the process provided for in Republic Act 8552. Under the Philippine Law, the rescission of the adoption decree may only be initiated by the adoptee through the Department of Social Welfare and Development (DSWD). This may not be initiated by the adoptive parent. To start the process of filing rescission, you should contact the DSWD and asked for the department in charge of adoption.

The petition for rescission shall be filed with the Regional Trial Court and as soon as the rescission decree on adoption is entered, a Form I-800 may then be filed with the US Citizenship and Immigration Service. The USCIS will thereafter ask you to re-adopt the children. There are more technical requirements to be considered prior to these children completing the immigration petitions. It may be advisable to seek professional assistance.

Atty. Lou

(Lourdes Santos Tancinco, Esq is a partner at the Tancinco Law Offices, a Professional Law Corp. Her office is located at One Hallidie Plaza, Ste 818, San Francisco CA 94102 and may be reached at 415.397.0808; email at law@tancinco.com or check their website at tancinco.weareph.com/old. The content provided in this column is solely for informational purpose only and do not create a lawyer-client relationship. It should not be relied upon as legal advice. This column does not disclose any confidential or classified information acquired in her capacity as legal counsel. Consult with an attorney before deciding on a course of action. You can submit questions to law@tancinco.com)

Categories
Updates

U.S. Government Launches New Web-Based Immigration Alert System for Applicants

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Yesterday, the U.S. government started a new web-based program that
lets immigration applicants check the status of their cases through
text messages and emails. This new program is another way to minimize
red tape through technological innovation, according to administration
officials. The government is also currently developing a new way for
individuals in the U.S. to receive emergency info from the government,
along with consumer product recalls and other important alerts, through
electronic means. The new immigration tracking method and the proposed
emergency alert system are both part of a method to fundamentally
change the way the government communicates with those residing in the
U.S.

These efforts are “fundamentally changing the default of the public
sector,” said Vivek Kundra, the government’s Chief Information Officer.
“You’re seeing a result of a transparent and open government the
president talked about.”

The new immigration alert system will, among other things, remind
applicants if portions of their application are not complete (e.g.,
digital fingerprints not recorded successfully). Instead of applicants
having to contact the government for information, this information will
now be outbound through the new e-alert system.

Categories
SideBar

Will I Lose My House I File For Bankruptcy?

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With foreclosure reaching very high
rates, one of the most common questions from clients is the question of whether
or not they will lose their homes if bankruptcy is filed?  Some homeowners want to get rid of their
credit card debts but are under the impression that the filing of a bankruptcy
case will not only eliminate their credit card debts but will also result in
the loss of their homes.

 

Whether or
not you can keep your house after filing for bankruptcy depends on several
factors.  It would depend on whether or
not you have equity in the house. It depends whether or not you are current on
your mortgage payments. It would also depend whether you are filing for a
Chapter 7 or a Chapter 13 bankruptcy. 

 

If the
debtor has no equity in the house then bankruptcy trustee will have no interest
in taking the property from you. This means that you can keep your home and
continue to stay in it as long as you continue to pay the mortgage payments on
the house to the lender.  Lenders are in
the business of loaning you money and collecting interest from the loan. This
is how Lenders earn their profits. They are not in the business of foreclosing
your houses. Hence, as long as you keep on paying your mortgage you can keep
your house regardless of the bankruptcy filing.

 

If you are
current on your mortgage, a Chapter 7 bankruptcy filing allows you to continue
to keep your house while eliminating your unsecured debts such as credit cards
obligations and medical bills. However, if you are no longer current on your
mortgage payments, the filing of a bankruptcy case may temporarily halt the
foreclosure of your house. Note that the operative word is “temporarily”.  Eventually, you will lose your house
regardless of the filing of a bankruptcy petition if you do not pay your
mortgage obligations. 

 

On the
other hand, if you are already behind in your mortgage payments and you want to
keep your house, then you may have to file for a Chapter 13 bankruptcy. The
chapter13 bankruptcy allows you to catch up and pay the overdue arrears on your
mortgage over a 3 to 5 year period of time.   

 

In most
cases, homeowners who want to keep their houses and have financial capacity
will be able to keep their homes even when undergoing bankruptcy. It’s just a
matter of knowing what protections the law provide and what the homeowner’s
available options are.

 

(DISCLAIMER:
material presented above is intended for informational purposes only. It is not
intended as professional advice and should not be construed as such. Rey
Tancinco is a partner at Tancinco Law Offices, a professional corporation with
offices in San Francisco, Vallejo, and Manila. The law office website is at:
tancinco.weareph.com/old.  Rey Tancinco can be
contacted at (800) 999-9096 or (415) 397-0808 or via email at: attyrey@tancinco.com.)

Categories
Global Pinoy

Harsh Consequences of Failing to Depart

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Joselito was a supervisor in one of the departments of a financial institution in charge of foreign remittances . He was invited by their US based company to visit their San Francisco office. Last year, Joselito entered the US on a B1/B2 visa and was granted three months of authorized stay.  He did not leave the US at the expiration of his visa and Joselito overstayed for more than six months.

He engaged in unauthorized employment as a “health care worker” for a home companion agency. It was through his employment where he met his future wife, Marita, a US citizen. Joselito and Marita had a relationship for more than a year until Joselito was taken into custody by Immigration and Customs Enforcement (ICE) during one of their raids.  Joselito was brought into removal/deportation proceedings. He sought voluntary departure and was granted four months to leave the US.

Joselito failed to leave within four months and instead married Marita. A petition was filed by Marita but this was denied because of  Joselito’s failure to depart the US on voluntary departure. He was again taken into custody and this time, he was deported without hearing.

Marita wants to petition Joselito for green card and wants him to return to the US with him. Does Joselito have a chance of returning to the US?

Voluntary Departure

Voluntary Departure is a relief that may be availed of by a noncitizen who is put into deportation proceedings. There are three different stages at which the Department of Homeland Security (DHS) or an Immigration Judge (IJ) may order voluntary departure: before removal proceedings are initiated, before completion of proceedings, and at the conclusion of proceedings.

This relief is taken in lieu of a deportation order to ease the process of returning to the United States after departure. In the past, one of opted for voluntary departure may find it beneficial than accepting an order of deportation. It is not always the case these days and that the ability to return is guaranteed.

It is true that if there are no grounds for inadmissibility or bars to admission to the United States, the noncitizen who accepts a voluntary departure may return to the US as long as they hold a valid nonimmigrant or immigrant visa issued after arrival in the US. However, if there were grounds for inadmissibility prior to accepting voluntary departure, it will be difficult to return to the US.

Grounds for Inadmissibility

Inadmissibility refers to those factors that exist in an individual case that bars them from receiving a US nonimmigrant or immigrant visa. There are numerous grounds of inadmissibility ranging from health care to criminal grounds. The most popular grounds for inadmissibility are the three and ten year bars.

Bar arises because of prior behavior of the individual that constitutes what you call the “unlawful presence” status.

These bars are classified based on the period of time the individual is prevented from receiving visas. These are what you call the (1) three year bar; (2)10 year bar; (3)5 year bar and (4) lifetime bars. They are equivalent in criminal law of “sentences” except that they do not refer to imprisonment but are referred to indicate inability to get visas for a certain number of years.

The harsh consequence of grounds for inadmissibility is that they result in long time family separation. They act as penalty for wrongdoings even if the “wrongdoing” was unintentional.

Limited Value of VD

Voluntary departure (VD) has limited value and may not prevent return to the US if there was no prior inadmissibility. This happens for instance in the case of a person whose unlawful presence is only for less than six months. This person may accept the voluntary departure and must indeed leave before expiration of the voluntary departure in order that he may return without incident.

It is not all loss for those who are faced with the bars to inadmissibility. The immigration regulations permit the filing of “waiver” applications for those facing certain bars. This waiver requires meeting all the eligibility requirements including proof of “extreme hardship” to the US citizen spouse or parent.

Harsh Consequence

Joselito left on a removal order and is now barred for ten years before he may be able to return to the US. He should not have taken a voluntary departure if he did not have the intention to depart the US. Now that he is “deported” he needs to file for Waiver of Inadmissibility and the Application for Permission to Re-enter should a visa become available.

Most of the time noncitizens in the US who had fallen out of status are caught between a rock and a hard place when deciding whether to depart voluntarily or stay in the US unlawfully. In both situations, the noncitizen bears harsh consequences because of their lengthy unlawful presence. A significant number of them decide to stay in the US than working their way to return to the US. They maintain that they would rather be with their loved ones in the US even if their stay in unlawful. They become part of the 12 million undocumented hoping for the passage of the Comprehensive Immigration Reform under Obama’s administration. After the controversial health care bill is passed, it is forthcoming.

(Tancinco may be reached at law@tancinco.com or at 887 7177).

Categories
Updates

Federal Funds to Aid Organizations Will Help Immigrants Become Citizens

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A number of resource organizations for immigrants has just received
$1.2 million dollars in federal funding to help legal residents become
U.S. citizens. Thirteen organizations around the U.S. received up to
$100,000 each to help increase the amount of green card holders they
are able to help increase English skills, learn about U.S. history and
government and ready themselves for the U.S. naturalization test.

These funds, given to Dallas’ Catholic Charities Immigration and Legal
Services, San Francisco’s Jewish Family and Children’s Services, North
Carolina’s Lutheran Family Services, Rhode Island’s Progreso Latino and
other organizations, are, according to the federal government only to
be used to provide direct services to legal residents of the U.S. The
announcement was made on Constitution Day and Citizenship Day.

Categories
Updates

2011 Diversity Immigration Visa Program Open for Entries Starting October 2

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The U.S. Department of State (DOS) has just released an update that the
online entry registration period for the 2011 Diversity Immigrant Visa
program will be October 2 until November 30. The Diversity Immigrant
Visa Program enables up to 50,000 diversity visas to be available
annually. These visas are drawn randomly from all entries received from
individuals that have met the specific requirements of the program and
are from countries with low rates of immigration to the U.S.

The entry period for the DV-2010 program ended on December 1, 2008.
Information about selected individuals is now available and individuals
that entered the lottery through the program’s official website
(www.dvlottery.state.gov) can check the status of their lottery entry
at that same website address.