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Immigration Round Table

Nurse Wants to Have Visa of Husband Cancelled

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Dear Atty. Lou,

I am nurse who came to the US in Dec. 2004. My spouse and two minor kids followed in March 2005. All of us are green card holders. My spouse stayed with us in 2005 only for 3 months and decided to go home to the Philippines and came after 11.5 months in 2006. A few months from his arrival in the US, news came to me that he has another family in the Philippines with two kids. I was not aware of the existence of such until my friends emailed me the birth certificates of his children ages 8 and 6.

My husband still denies that he has another family but just the same I filed an annulment case in the Philippines last May 2007. This case is still pending. Likewise, I learned his paramour had graduated from nursing which gave more suspicion that I was just used as an avenue for them to come to the US.

Is there any way that I can have his green card cancelled? What benefit will I gain if I file a divorce here pending decision of my annulment in the Philippines?

Unhappy Spouse

Dear Unhappy Spouse,

Your husband immigrated to the United States as your “following to join” beneficiary.  To qualify as a spouse beneficiary of an employment based visa petitioner, there must be a qualifying spousal relationship. Based on your letter, it appears that you are married to your current spouse but it is not clear if he is also married to the mother of his other children. If there was a pre-existing marriage before you married your spouse, then there is a ground to seek a revocation of the permanent resident status. This means that because of the pre-existing marriage, your marriage to him is not valid and therefore there is ground to rescind the green card that was issued to him.

On the other hand, if your spouse has no pre-existing marriage and you have doubts about her intentions of marrying you, then, you may have the resident status cancelled only if you have proof that the marriage was not entered into in good faith. The burden will be on the US Citizenship Immigration Service, through evidence submitted to this agency, to show that the marriage was not in good faith. As regards your second question, there is nothing to gain if you have two divorce judgments. One valid divorce decree or dissolution judgment should suffice to dissolve the marriage.

Atty.Lou

Dear Atty. Lou.

 I am an American citizen. I offered marriage to an overstaying visitor who is currently in the process of her divorce. Should she accept my offer, get married to me, get petitioned by me as spouse and granted a temporary green card, how soon can she visit the Philippines from the date of petition?

Special Friend

Dear Special Friend,

If your offer of your marriage to this overstaying visitor is just for purposes of conferring immigration benefits for her, then it is not advisable to pursue this marriage. Unless the marriage was entered into in good faith with the intention of living as husband and wife, the petition for immigrant visa may not be validly granted. If it is a good faith marriage, the current processing time to adjudicate adjustment of status is now six to eight months barring security issues that may arise. Good luck.

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

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Global Pinoy

The Agony of Waiting for the Green Card

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The policy behind many provisions of US immigration law is to uphold the value of families and to promote family unity. We all know that strong family ties create vibrant society. It is ironic that if family unity is an important American value and considered the cornerstone of society, the US immigration rules still do not address the severe backlog in the system. These backlogs create a lengthy processing time causing family members to wait many years before they are finally granted visas.

The Severe Backlog

For family based petitions, the US law allows only issuance of 480,000 family sponsored immigration visas annually. This is the world wide quota for all future immigrants.

The quota of 480,000 is reduced by the number of immediate relative visas and humanitarian parole granted. This means that State Department deducts the number of visas that are available to future immigrants by the number of visas granted to spouses, minor children and parents of US citizens resulting in the minimum number of visas available for legal immigration. As a result of the reduced the number of visas, a lengthy wait for family members is created.

For Filipino nationals, petitions by US citizens on behalf of their adult children may take anywhere from 16 to 18 years from the date of the filing. This April 2009, State Department Nation Visa Center is processing the visa petitions for adult –married children that were filed on June 15, 1991. On the other hand, petitions on behalf of siblings of US citizens are taking more than 23 years before visas are finally issued.

Considering the lengthy process, it is not surprising that crisis is created within the family as a result of long separation. Usually these petitions were filed for family members who are at the prime of their lives but are not granted the visas until they reach retirement age.

Separation Anxiety

In view of global migration, separation of families became a common occurrence. Either parent usually makes the decision to migrate abroad for economic reasons. In the US, the reunification of the families is still the motivating factor for patiently waiting many years. Unfortunately, more and more families are affected by this severe backlog created by the system making it a necessity to amend the current immigration law which admittedly is broken needing a fix.

Proposed Comprehensive Immigration Reform

When one hears of the comprehensive immigration reform what comes to mind is the “legalization” or granting of amnesty to the millions of undocumented immigrants in the United States. However, it is important to point out that some of the provisions in the CIR also attempts to alleviate the severe backlog on family petitions.

The proposals for change includes the following: (1) eliminating arbitrary limits on family based immigration; (2) the number of visas for immediate relatives of US citizens should not counted against the total number of visas available; (3)increase the number of visas available with high backlogs and that includes the Philippines and (4) treat the spouses and minor children of lawful permanent residents as immediate relatives so that no petition is actually required upon receipt of green card.

For Filipino nationals, what is interesting also is the family reunification provision for descendants of Filipino World War II veterans. This provision in the Comprehensive Immigration Reform will give immediate visas to children of Filipino World War II veterans without being subjected to the limits of immigrant visas available.

Fixing the System Will Stimulate the Economy

The reality of the lengthy waiting times is lengthy separation. This results most of the time in creating an incentive for family members to enter the US or remain in the US unlawfully. There must be a way to alleviate the backlog through the proposals in order that the immigration system comports with realities and encourages respect of the law and not otherwise.

On the other hand, fixing the broken immigration system will help in stimulating the US economy.. Families who live together usually pool their resources together to build their businesses. As soon as they start their business and when they are successful, they purchase home and become consumers contributing to the economy.

Bearing the Agony of Waiting

Depending on the reasons for separation whether it is to better the future of the next generation or simply for economic reasons, the rationale for waiting for many years may be worth the wait after all. There is no skipping the process at this moment. We remain hopeful that effective advocacy for the immigration reform will soon CHANGE the system and all those who waited will eventually be rewarded.

(Tancinco may be reached at law@tancinco.com or at 8877177)

Categories
Immigration Round Table

CSPA Freezes Age of Minor Child

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Dear Atty. Lou,

My husband has an approved petition for his under 21 year old son. However, his son will be 21 years old this 8 April 2009. The petition was only approved on 3/24/2009. Please let us know what we can do so he could still avail of the benefits derived from that approved petition. What are the actions then to be taken. Your immediate response will be greatly appreciated.

AT Stepmom

Dear AT Stepmom,

You did not indicate in your letter your husband’s status as a petitioner. If he is a US citizen, then he may avail of the provisions of the Child Status Protection Act (CSPA) The CSPA provides that if a U.S. citizen files a Petition for Alien Relative (Form I-130) on behalf of his/her child before he or she turns 21, the child will continue to be considered a child for immigration purposes even if USCIS does not act on the petition before the child turns 21. The date of filing of the petition is the CSPA age of the child. Hence, if the US citizen files the petition when the child was 20 years old and no approval is yet received from the USCIS after he had turned 21 years old, the CSPA age is still 20 years and he shall still be considered a minor child.

In case your husband is still a green card holder, then he may still benefit from the provision of the CSPA when the priority date becomes current under second preference. Children of lawful permanent residents benefit if a Form I-130 is filed on behalf of their children and children of principal applicants in preference categories. There is a mathematical formula used to calculate the CSPA age. This is determined on the date that the visa, or in the case of derivative beneficiaries, the principal alien’s visa, becomes available. The CSPA age is the result of subtracting the number of days that the immigrant visa petition was pending from the actual age on the date that the visa becomes available. If the ‘CSPA age’ is under 21 after that calculation, the child will remain a “child” for purposes of the permanent residence application.

Hence, in your particular case, if your husband is a US citizen, your stepson will still be processed for the visa as an immediate relative of your husband and his CSPA age is less than 21 years old which is the age at the time of the filing of the petition. You have to wait for the checklist or the visa processing papers from the National Visa Center which will soon be mailed to you. As soon as you received these papers, your husband may begin the process of obtaining the immigrant visa for his son.  Good luck.

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
Immigration Round Table

Foreign Student Determined to Pursue the American DREAM

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Dear Atty. Lou,

I have a few questions and I hope that you could help me with this predicament. I’m currently an international student here under F1 visa status. I’ve been going to a community college and paying the staggering amount of tuition fee for international students (about $2000+ quarterly). I was originally a nursing major, but unfortunately couldn’t find a program, and forced to take my second choice, Child Education as a major.

I earned my high school diploma after finishing 2 1/2 years of high school here in the US  (in Hawaii) and been going to college in California for about 5 years now. My questions are: (1) What are the possibilities of converting my student visa to earn my residency.(2) Am I qualified to apply for a financial aid? with only having 2 1/2 years of high school here instead of 3 years regardless of the student’s status? (I understand that this qualifies only to undocumented students with 3 years of high school in the US. DREAM ACT) If so, where and when could I apply?

I hope you could enlighten me with this matter.

CE Student

Dear CE Student,

As soon as you obtain your Bachelor’s Degree, you may become eligible for a professional working visa or the H1B. Most of those who graduated in the US are offered jobs by their US employers if there are job openings.  Usually after the Optional Practical Training is expired, the student visa holder changes status to working visa if there is a job offer by the US employer. As far as your permanent resident visa is concerned, just like an H1B visa, you need a US employer to offer you a job on a permanent basis and to undergo the petitioning process before you are actually granted a lawful permanent resident status.

Those who are issued foreign student visas by the US Citizenship and Immigration Service are required to have financial resources to sustain their temporary stay  and to pay the foreign student tuition fee. This is a requirement before the USCIS grants the student visa. You may apply for a grant or scholarship and indicate to the USCIS that this will be sufficient resources to support your study.

Your situation is different from those who do not have student visas and are undocumented at the moment. For those who are undocumented students graduating from high school and going to college, when they apply for financial aid from the federal government, they usually ask for proof of valid immigration status. This will make it difficult for them to apply for student loan unless they try private foundations who provide scholarship. There are also ten states including California that gives undocumented students the in state tuition fee (which is less) instead of charging the out of state or foreign student rate.

Regarding the Development, Relief and Education for Alien Minors Act (DREAM Act), this week or on March 27, 2009, the bill was introduced in Senate by Senators Dick Durbin (D-IL) and Richard Lugar (R-IN) and U.S. Reps. Howard Berman (D-CA) and Lincoln Diaz-Balart (R-FL). This bill will provide young undocumented immigrants the opportunity to pursue their American dream by giving them the legal status to study.

Undocumented students would obtain legal status if they meet certain criteria: (1)They must have come to the U.S. before they turned 16, be under the age of 30, (2)have lived in the U.S. for at least five years, (3)graduated from high school or passed an equivalency exam, (4) have “good moral character” and (5) either attend college or enlist in the military for two years. If you meet these requirements and have a high school diploma from a US school you will be qualified for resident status under the DREAM Act.

I hope this information is helpful.

Good luck.

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
Global Pinoy

No April Fools Day for Professionals

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April 1 is the first day of filing of H1B or professional working visa petitions by US employers. This date is very crucial because it is the day that the numerical cap of 65,000 visas is usually reached. Thousands of US employers seeking professional workers for the H1B visa rush to file their petitions on this day. They fear that they will lose opportunity of obtaining visas in view of the limit on the number of visas that are accepted within the next few days from the date of filing.

Josephine, a physical therapist, was in the United States last year to take the board examinations for her licensure. She passed the board examination and had an offer for a job at a health care institution in Florida. Last year, her employer filed for a petition for her working visa. This petition was filed on April 1, 2008.

After a few weeks, Josephine’s employer received the petition back and was informed that the H1B petition was rejected as it was not randomly selected by the immigration service. She was told that the quota has been reached and that her petition was not accepted for processing after the random selection of petitions. To avoid incurring unlawful status in the US, Josephine returned to Manila last year and was told that her employer is going to re-file the petition on her behalf on April 1, 2009. Josephine is again taking her chances of working in the US. She is hoping that her petition will be randomly selected this time for processing and that she will be afforded the opportunity to work in the US.

The H1B Quota

The H1B visa program permits US employers to hire foreign specialty workers on a temporary basis.  Specialty occupation includes jobs in the information technology fields and jobs in other industries that include teachers, engineers, architects, scientists and researchers, and other management, scientific and technical consulting services.

The number of H1B visas that may be issued is governed by Immigration and Nationality Act Section 214(g)
(1) (A) which limits the number of visas to a 65,000 annually.

For the last five fiscal years, there are more visa petitions filed than the number of visas allocated for this nonimmigrant category. As a result of the numerous filing, the US Citizenship and Immigration Service devised a procedure for randomly selecting petitions received.

The Lottery Process

The USCIS will begin accepting petitions for H1B workers on April 1, 2009. Even if the petitions are accepted on this date, the start up date of employment will not begin until October 1, 2009. The reason the validity dates of the H1Bs begins on October 1 is that the fiscal year for 2010 starts on this date as well.  April 1 is the date designated by USCIS to allow for advance filing and processing of the H1B visas.

Lottery will be conducted on petitions that are received within the next five days from April 1 if USCIS determines that they have received a sufficient number of cases.  All petitions that were received between April 1, 2009 and April 7, 2009 will have the same receipt dates.

After lottery is conducted, the USCIS with issue receipts for those which are selected and those not selected the petitions will be returned.

Rejected Petitions

Those that were not selected were returned by the USCIS. Last year, more than 150,000 petitions were received and that only 65,000 were accepted for processing. For those that were accepted, there are still petitions that were also rejected because of multiple filings.

To increase the chances of being selected, a significant number of petitioners filed multiple petitions on behalf of same beneficiaries or professional workers. The USCIS came out with the guidance last year that multiple filings for the same beneficiary will be rejected or denied. Unlike those that were rejected because they were not randomly selected, petitions that were rejected last year because of multiple filings were returned without their filing fees.

Exempt from the Cap

Not all the petitions for professional working visas are subject to the cap. There are some exceptions available for qualified professionals to get H1B visas which are not covered by the 65,000 cap. The following professionals are not subject to the cap: those employed (1) by institutions of higher education; (2) by a related or affiliated nonprofit; (3) a non profit research organization; or (4) governmental research organization.  It also does not apply to H1B extensions of status with the same company, a petition for second H1B, and transfer from one H1B cap subject employer to another H1B employer or to H1Bs for those who have a Conrad waiver.

No Certainty of the Future

In the practice of immigration law, we always ensure and increase the chances of approval of the petition filed with the USCIS by carefully drafting the petition and by supporting it with relevant and extensive documents as required by regulation. Unfortunately, in H1B petitions, even if one has a willing US employer and an approvable case, the chances of it being granted is still dependent on “luck” that the petition is going to win the lottery. This uncertainty creates unnecessary hardship not just to the prospective employee but also to the US employer who is in actual need of the services of the professional worker. While there is a prediction that fewer petitions are to be filed this H1B cap season, there is still urgency on the part of the Obama administration to fix the H1B system. The US businesses should have enough access to H1Bs to keep the US economy competitive in the world market and to keep the jobs in America.

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

Categories
Global Pinoy

Are New Immigrants Stealing US Jobs from Citizens?

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As we rush to the Capitol Hill today to lobby for the passage of the Comprehensive Immigration Reform Act, we face the reality of the times. Every visit we made to each legislative office was met with a question asking us advocates to explain the effect of immigration reform on the economic crisis,

Mario, a long time bank executive in Northern California was terminated from his job. He expressed his frustration and said that his loss of employment and the resulting hardship humbled him in ways he never anticipated. When he hears news of efforts to have a comprehensive immigration reform pass and legalize the undocumented aliens in the US, he just raises his voice and questions the appropriateness of granting visas to foreign workers when 10% of US citizens are unemployed. To him it did not make sense that the undocumented aliens are going to be legalized or that more visas are to be granted to foreign workers on H1B visas while the unemployment rate is increasing each day. Are foreign workers stealing US jobs?

Broken Immigration System

Even before this recession, the number of undocumented aliens in the US was already around 12 million. The immigration system is established in a way that does not provide a legal path for undocumented aliens to obtain their visas and legalize their stay.

Even for legal immigration, the system is already broken. The fact that the siblings of US citizens from the Philippines will have to wait for 24 years before the visas are actually issued is a very lengthy process indicative of a broken system. Permanent residents’ petition for their spouses takes seven years before they are actually interviewed for a visa. Families are separated for a long time because of these unreasonable and unnecessary backlogs.

Unfortunately when families are separated for many years, there is a tendency for family members to enter the US by different means and remain in the country unlawfully

There is an urgent need to fix the immigration system by passing the immigration reform bill. Contrary to the anti immigrant argument, keeping families together by enactment of legislation that increases the number of visas allotted and giving immediate visas to spouses and minor children will foster economic growth. When a family is together and stable, there is a tendency to pool their resources to start businesses, purchase homes and send family members to college. It will actually stimulate the economy in a lot of ways.

Economics of Immigration

Immigration did not cause the economic crisis.  Real immigration reform will help promote economic recovery.

At the moment, 12 million undocumented workers are already in the US and are contributing to the system. There are billions of dollars that are unaccounted in the Social Security system because the social security numbers used by the undocumented do not match their names. This is expected because these undocumented are still in the underground economy. If immigration reform is passed, these workers will become legal taxpayers and contribute significant tax revenues. This revenue will help the economy regain strength and vitality.

The other alternative to dealing with the undocumented is to deport all 12 million. This destructionist view is definitely not realistic neither is it pragmatic. This deportation proposal will be costly and will disrupt the economy further.

Visas for Foreign Skilled Workers

In just a few weeks or beginning April 1, 2009, the Petitions for Nonimmigrant Working Visas or H1Bs will be accepted for filing by the US Citizenship and Immigration Services. These visas are given to professionals or those who require a bachelors degree to perform the job. The anti immigrant groups are very vocal about attacking the need for the H1B visas and are against the cap being raised to accommodate the demand for highly skilled jobs.

Foreign skilled workers do not steal jobs from US workers. The way the H1B visa regulations are implemented is to ensure that these workers “do not displace or adversely affect wages or working conditions of US workers.” There are protections that are put in place by the regulations to protect the US workers.  Before the H1B visa petition is approved, the US Department of Labor requires a filing of the Labor Condition Application (LCA) in which the employer “the employer must attest that the firm will pay the nonimmigrant the greater of the actual compensation paid other employees in the same job or the prevailing compensation for that occupation; the firm will provide working conditions for the nonimmigrant that do not cause the working conditions of the other employees to be adversely affected; and that there is no applicable strike or lockout.”

Foreign Workers Easiest to Blame

The accusation that immigrants are stealing jobs of US workers is more of a visceral than a rational reaction. We may raise positive information about the benefits of immigrants to the US but when one is experiencing a corresponding hardship as a result of termination from employment, the immigrants become the easy target even if they are not actually responsible for the crisis. After all, it is easiest to blame innocent, hardworking immigrants than identify the in depth sequence of events that resulted in this economic downturn and layoffs.

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

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SideBar

Bankruptcy Myths

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Bankruptcy is something that is tough for most people to go through. It should be treated as a last option. Sometimes, however, a fresh start is something that makes sense for people in financial distress. Many people get their information on a few tidbits of truth and lots of misinformation. Like most “monsters”, it is not really as frightening when we get to know the truth. These myths may hold you back from giving bankruptcy a look. So, here are a few myths about bankruptcy.

Everyone will know I filed for bankruptcy

While bankruptcy is a public legal proceeding, the number of people filing are so numerous that unless you are a celebrity or a major corporation, bankruptcy filings just aren’t published in newspapers. The only persons who will know about your bankruptcy filing are you and your creditors.

My credit is ruined and I’ll never get credit again

Bankruptcy will stay on your credit for up to 10 years.  However, it won’t be long before you start receiving credit card offers again.  Not paying your bills on time and having too much debt is a major reason for bad credit. A bankruptcy discharge gives you a chance to get rid of the heavy debt burden and get a fresh start. Once the debts are discharged in bankruptcy, you can start building up your credit again because you can finally begin to pay bills on time.  

I will lose everything I own in bankruptcy

More thank 90% of bankruptcy cases filed by individuals are “no asset” cases in which you keep everything you own.  That’s because bankruptcy laws provide for certain exemptions that the debtor can keep, such as your house (up to the value of your homestead exemption), your car (up to a certain value), qualified retirements accounts, etc.  Also, in a Chapter 13 filing, you may be able to space out the payment of your obligations over a 3 to 5 year period.

I will never be able to own property again
    
Bankruptcy laws, in fact, allow you to keep your property. Outside of bankruptcy you could lose your property to creditors who may foreclose or garnish your assets. Bankruptcy laws that allow you to keep your property vary from state to state, hence, you should consult an attorney in your state to property advise you of the laws in your jurisdiction. 

I have to file bankruptcy together with my spouse

It is your option to file together or separately. In most cases it makes sense for both spouses to file together because if it’s a joint obligation, the discharge of one spouse will only result in the lender going after the other spouse. In certain instances, however, it may make sense for one spouse to file but not the other. That is entirely possible and allowed by the courts.

If I have already filed for bankruptcy before, I can never be able to file again

You can get a Chapter 7 bankruptcy discharge once every 8 years. For a Chapter 13 filing, you can file more often depending on the Chapter you previously filed.

Creditors can still harass me if I file for bankruptcy

Once a bankruptcy petition is filed there is an automatic stay on all collection activities. Creditors cannot call or contact you to collect the debt. If they continue to harass you, remedies are available through the bankruptcy court.

I want to continue paying my obligation to my friend but I want to stop paying for the credit card obligations I can no longer afford. Can I pick and choose?

In bankruptcy you have to list down all your creditors. However, there’s nothing to prevent you from paying the discharged obligations to whomever you want once you are back on your feet. 
                                       
I can’t file for bankruptcy if I have a job

Persons with or without a job can file for bankruptcy. Persons who are unemployed would easily qualify for Chapter 7 bankruptcy.  Those with a job will qualify for a Chapter 7 or a Chapter 13 filing depending on the level of income that they have.

Medical bills can’t be discharged in bankruptcy

Almost all unsecured contract obligations, like credit card bills, personal loans, and medical bills can be discharged in bankruptcy.

There is a minimum amount of debt required to file for bankruptcy

There is no set minimum amount. If a debt is beyond your ability to pay, you may file for bankruptcy if that is the smart financial choice for you.

I can max out all my credit cards and then file for bankruptcy

The US bankruptcy trustee can review your purchases before the filing and may deny the discharge if a conclusion is reached that fraud was committed.

Only “bad” people file for bankruptcy

Most people file bankruptcy because of some major life-changing experience such as a major illness, loss of employment, or divorce. Many others have merely made bad investments and have been hit by the financial crisis. These situations cause people to struggle to pay their bills and are just unable to keep up until debts have accumulated. Bad times don’t make the person bad. Bankruptcy merely provides the relief that many hard working people need to get them out of a bad situation. 

(DISCLAIMER: materials presented above are 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: 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 Updates Reference Materials for Naturalization Test

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This week, USCIS updated reference material for individuals seeking naturalization. Included in the update are a number of publications, documents and reference material. These updates include the following:

1) An updated Guide to Naturalization: Included in the updated guide is a document revision that reflects the new requirement that applicants are required to submit Form N-400, the Application for Naturalization, to a USCIS lockbox for processing. The English version of this publication is available online at www.uscis.gov/natzguide.

2) The Citizen?s Almanac: USCIS has update the Citizen?s Almanac, to include a new message from the director of USCIS. An English version of this publication is available online at: www.uscis.gov/files/nativedocuments/M-76.pdf.

3) Naturalization Tests: USCIS has additionally updated its reference material for the new naturalization test. Included in this update of materials are new study versions of the test, available online in English (www.uscis.gov/files/nativedocuments/100q.pdf), Spanish (www.uscis.gov/files/nativedocuments/100q_spanish.pdf), Chinese (www.uscis.gov/files/nativedocuments/100q_chinese.pdf), Tagalog (www.uscis.gov/files/nativedocuments/100q_Tagalog.pdf ) and Vietnamese (www.uscis.gov/files/nativedocuments/100q_Vietnamese.pdf).

4) Additional updated materials include flash cards (www.uscis.gov/files/nativedocuments/M-623_red.pdf), a civics lesson study book (www.uscis.gov/files/nativedocuments/M-638_red.pdf), and vocabulary lists for the English reading test (http://www.uscis.gov/files/nativedocuments/reading_vocab.pdf), and the English writing test (http://www.uscis.gov/files/nativedocuments/writing_vocab.pdf).

Categories
SideBar

Foreclosure? or Bankruptcy?

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notice is a threat by the lender to sell your property and evict you from the premises.  In most cases, banks do not begin the process until the third payment is missed. If the homeowner cannot resolve the defaulted payment amount with the bank through forbearance or other loss mitigation measures, the bank will begin foreclosure proceedings.

Bankruptcy, on the other hand, is the process where a person legally declares himself as unable to pay his debts. Depending on the type of bankruptcy filed, one meets with a judge to determine a payment schedule, or, to have a legal bankruptcy discharge most if not all debts.

For individuals or married couples, the two most common forms of bankruptcy are Chapter 7 and Chapter 13.

Chapter 7 is mostly used by individuals who want a fresh start. In a Chapter 7 bankruptcy individuals will surrender all their non-exempt assets to the US Trustee but in return most, if not all, debts are discharged.  For this reason, individuals who have little or no assets prefer Chapter 7 bankruptcy.

Individuals who do own some property or assets but find that their income cannot cover the payment for debts owed file chapter 13.  In Chapter 13, the debt is restructured, and in some cases reduced so that people retain their assets but have reasonable payment schedule which they can make to debtors. Generally the court-ordered payments must be complied with in a timely manner in order to avoid the assets being seized.

Once bankruptcy is filed creditors have to stop any attempt to continue their collection activities. There is usually immediate relief from creditor harassment, and a bankruptcy can stop a pending foreclosure sale of your home, a garnishment of your wage or a threatened repossession of a car. Most creditors cannot call, write or sue you after you have filed bankruptcy.

Neither foreclosure nor bankruptcy is going to be easy.  Generally a foreclosure will affect your credit for 7 years, while a bankruptcy will affect your credit for 7 to 10 years depending on the Chapter filed.  But that doesn’t mean that foreclosure is necessarily the better option.

In the case of individuals whose only debt is the home mortgage obligation, then foreclosure may be the way to go.  However, in the case of individuals, for example, who have credit card bills and other unsecured debts in addition to the home mortgage, the filing for bankruptcy protection may be a better alternative.   This is because although a foreclosure may relieve that individual of a mortgage obligation, that individual will still remain liable for credit card debts and other unsecured debts as well as the bill collection activities that go with it.  Will the debtor be able to continue paying on those credit card bills after foreclosure? Or would he rather declare bankruptcy and wipe out both the mortgage obligation and the credit card bills?  Likewise, an individual may only be suffering a temporary or short-term financial setback and wants to continue staying in his home. In which case, a bankruptcy petition may still allow him to continue staying in the home and wipe out a huge portion of his unsecured credit card obligations.

The point is there really is no “one size fits all” recommendation for which is the least bad alternative.  A person’s assets, liabilities and current financial condition have to be considered in order to determine the best possible course of action.  Regardless of which course of action one desires, seek competent advice (not necessarily your neighbor, your friend, or your co-worker) from one who can discuss with you the choices you will face.

As of the date of the writing of this article, there is also a pending legislation in the US Congress to allow bankruptcy court judges to force the lenders to reduce the mortgage obligations of homeowners who seek bankruptcy protection. Such legislation has been approved in the House of Representatives and will be voted on in the Senate within the next few weeks. I will discuss this pending legislation in my future column.

(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.)