Green Card Lottery?

Once again, I am a paralegal not an attorney. So this is in no way meant to be, taken as, or construed as legal advice. This Blog is intended to be legal information only. Also let us not forget that when a lawyer and or a paralegal becomes involved your problem becomes an ISSUE.
Okay, let’s get this show started than. I think we’ll started with the infamous Green Card. The quote Green Card was created in the 1950’s as part of the Immigration and Nationality Act. A Green Card had two major purposes. First as Photo-ID Card issued to a foreign national. Then it allows an alien to live, work and pay taxes in the United States. A Green Card holder gets to do this without giving up citizenship in their home country. Yes, Martha legal immigrants do have to pay taxes.
However over the years the term Green Card has become generic. Meaning everything from a immigration Photo-ID Card, to allowing an applicant to attend school in this country. It to even includes the type of ink used to validate a travel visa when you come back from abroad.
Believe it or not there is a Green Card lottery. Playing the Green Card Lottery is only slightly more complicated than playing power-ball. You see Instead of buying a scratch ticket like for any of the money lotteries, all an applicant fills out a set of forms including a photo submitting them online. Each year the State Department accepts Lottery applications from October 1 to November 3. Than all an applicant has to set back and wait. Hoping and praying to win.
Side-Note: Until 2009 a lottery applicant could mail in hard copies to the US State Department but now an applicant can only submit their application online.
Note: If an applicant wins they can bring their spouse and or children with them if they were listed on the entrance application.
This Green Card lottery is held each a year by the US State Department not Homeland Security. Each year, 55,000 immigrant visas (Green Cards) are awarded in this lottery. This Green Card lottery was created as an official program pursuant to Sec. 203 (c) of the Immigration and Nationality Act. The idea behind this is to diversify who immigrate to our county. Opening the door to immigrants from 3rd and 4th world countries. This Green Card lottery is also supposed to open the door for low-income emigrates from other countries.
According to the rules there is only two things that can disqualify an applicant’s Green Card lottery application. First is trying to enter the lottery from a country on the disavowed list. Such as Brazil,
Ecuador and or the Dominicans Republic who are on the State Departments naughty list. other countries like Great Britain and or India who were disavowed for other reasons. Than not having the skills or education an applicant claims to have
WARNING: The countries on the State Departments naughty list. This list of naughty countries changes and changes frequently. So keep an eye on that list.
Now here is the catch if an applicant wins the State Department will not notify them. An applicant has to go online every few weeks. Just to see if they had won. The only thing a winner has to pay are the travel costs to get them here.

Bankruptcy Chapter 7

Once again, I am a paralegal not a lawyer. So my articles are in no way to be considered legal advice they are legal information only. Let us not forget when a lawyer or a paralegal becomes involved your problem becomes an ISSUE.

To repeat myself, bankruptcy isn’t as bad as republicans and corporations want you to think, Just because you have a bankruptcy Discharge your life nor your financial life are not going to end, Honest. All you are doing is telling the people you owe

I ain’t got it and I can’t get it! So back off and leave me alone!”

You see the goal of all bankruptcies is Discharge. A Chapter 7 Discharge is when the Bankruptcy Trustee (Judge) says you no longer owe the money and or debts listed in your bankruptcy.

SIDENOTE: After Discharge you will have to be careful. You see There is a catch 22. You see according to Federal Law once you get your Discharge debt collectors are no longer allowed to come after you but there are bad debt collectors who will still come after you and if they can get you to pay so much as $1 it become legal to go after you again. I will get into how deal with these greedy idiots in later articles.

So getting back to after Discharge. Within 30days of getting your Discharge you will be able to get a credit cards. There will be Secured and unsecured credit cards offers. Secured credit cards require that you deposit money into a savings account. The amount you deposit in that credit card company’s savings account will be your credit limit. Six months after Discharge you will be able to buy a new car. If you want to buy a new house and use FHA loan, bummers that means you will have to wait a whole 4 years to get your new house.

SIDE-NOTE: This isn’t legal advice, just my personal opinion. After you get your discharge get a secured card that reports to the credit bureau. It will take some looking but they are out there. Warning, most secured credit cards companies report to nobody.

Now, no employer federal or private can fire you for filing for bankruptcy. You can get fired for other reasons but not for bankruptcy.

Chapter 7 bankruptcy Discharge does not mean you cannot file for unemployment benefits or that your payments are going to stop. This also includes social security or any other benefits you might be entitled to. At least not right now with the crazy republicans in power that will change.

The Discharge itself will only stay visible in your records for only 7 years.

If you are worried about the corporations and people listed in your bankruptcy they will get to deduct what you owe them from their taxes. The only thing they will lose is the interest they get to charge you while you struggle to pay off the debt.

So isn’t bankruptcy just going to destroy your life, like crazy republicans want you to think, or is it a chance to start the game over like it was always meant to be. You decide not the crazy republicans.

Next week I’ll talk about a few bad things concerning bankruptcy and the mechanics of how it works.

Debtors Prison An American Carol

All right, five months ago it is Christmas time. As usual, there was a Christmas Carol movie is playing on a number of different cable stations. I think my three favorite are Bill Murray’s Scrooge, Vanessa Williams’ a Diva’s Christmas Carol and Patrick Steward`s, A Christmas Carol. I think Mr. Steward’s came closest to what Charles Dickens wanted to say. In each movie the main plot was pretty much the same, old greedy Ebenezer Scrooge or a Scrooge type character who refuses to part with a single coin and was out to squeeze every last possible coin from poor souls no matter how or why they got into debt. It did not matter what damage or suffering his greed caused. All that mattered was putting that shiny coin into his pocket.
With that in mind, one of his favorite things to do in getting that coin, in the book, was to buy the debt of others have the unfortunate debtor arrested and jailed as a debt dodge. It didn’t matter if they were employed trying to pay or not. Debt was an actual crime in the 18th and 19th centuries. With his victim in jail, in jail without a trail or due process, Ebenezer would seize and sell their homes, furniture anything with the remotest monetary value, turning the debtors ill parents, wives and children out to suffer in the streets. You know in the real world of the 19th century single and or widowed women with children just as often wound up in debtor’s prison as men did. Debtor’s children and wives were often sent to workhouses and orphanages. Places that were too often a half a step from hell. That is if they weren’t just dumped on the streets after their house was seized.
That would be a scary world to live in wouldn’t it. Thank the Lord we don’t live in such times, right? After all it only happens in fiction and history books, right? I mean such a thing could happen not in today’s America, right?
Wrong Virginia! It is very real! And it could very well happen to you!
Just ask the Minnesota woman, who went to jail over a $250 owed for a credit card she didn’t know she had. Or The Illinois breast cancer survivor who was jailed over a $280 medical bill the hospital told her she didn’t owe. There was a woman sent to jail over a $60 phone bill owed by her husband dead 10 years. Let’s not forget the Kansas City guy who went to jail for $1000 he owed a furniture store after making payment arrangements. This last January a judge sentenced a man in Kenny Illinois to an ‘indefinite jail term’ over $300 he owed a lumber yard.
This doesn’t include to poor souls sent to jail because they didn’t have the money or a job to pay a fine. Only to discover that their $60 fine after 90 days spent in jail is now $6000. After all someone has to pay for the prison, prison guards’, food and uniforms.
After all didn’t one bund ant say “If you were a good person and a favorite of God you would have been born rich?”

Chapter. 7 Bankruptcy

Here we are once again. So as before I am a paralegal, I am not a lawyer. My articles are in no way intended to be, to be taken as, mistaken for legal advice. This is legal information only to help you ask the best questions so you can get the best help from your lawyer. Let’s not forget that when a lawyer of a paralegal becomes involved your problem becomes an ISSUE.

All right you are thinking about filing for bankruptcy. 1st thing 1st, contrary to what crazy republican’s would like you to think bankruptcy is not a bad thing. It is not going to destroy your life, it doesn’t mean you are a failure, or that you’re scammer trying to dodge your debt. All a chapter 7 bankruptcy does to restart you financial life. Kind of like asking for a ‘do over’ when you mess up playing a game.

As for your creditors, all you are doing is using the courts to tell them, “I am sorry I haven’t got it and I can’t get it. So back off.”

Now a bankruptcy is supposed to stay on your credit records for no more than 7 years. The story if you file for and are granted a bankruptcy you will be prevented from getting any credit or loans for 7 years. Plus when you do start getting credit again you will have to pay a much higher interest rate.

That is no longer true.

Will it is somewhat true. When you file your 1st bankruptcy form often called the ‘petition’ you will be unable to get any form of credit or loan until get your bankruptcy ‘Discharge’.
SIDE-NOTE: Don’t panic though. If something bad happens and you need to borrow money you have way to deal with it. You will have to get permission from the trustee though.
However not even 30 days after your ‘Discharge’ you will start receiving credit card offers. Everything from the loan shark offers:
These guys will offer high credit limits with very high interest rates. You miss a payment date with these guys by so much as an hour your interest rates will double sometimes triple. Miss a 2nd one and you could be looking at debtor’s prison.
SIDE-NOTE: Thanks to the crazy republicans and growing privatized prison system here the United States debtors prisons have become a a very real and serious threat in over 24 states. Just ask the breast cancer survivor in Illinois who went to jail 5 days after getting home from the hospital. She was arrested and jailed for a $260 hospital bill. A bill the hospital told her she did not owe. It had cost her father a $1500 to get her out. $260 for the bill she didn’t owe, $600 in legal fees, and $740 for the food she ate, for her Dad and lawyer to be processed in to see her. The rest paid for her stay at the Bar Hotel.

Next week I will talk about what debts are covered by a Chapter 7

My Political Opinion

With all that is going on, I am going to take this week, and I am going to take this article to tell you my opinion on a few matters. One of the privileges of being a writer. Next I will be getting into Chapter 7 Bankruptcy.

So here we go, I’ve got to wonder why Bloomberg is such an evil bad guy for giving $50 million to Mothers for gun control. I mean all they are doing with his money is using the money to lobby congressmen and promote their cause.
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>‘Which I support by the way.”


The N.R.A. and crazy republicans are saying he is over reaching and abusing the system. Yet the Koch Brothers spend billions of dollars supporting the N.R.A. And they are claiming ‘they are such great Americans miss understood and abused.’ On 4/25/14 I watched part of the N.R.A. leader’s speech and I am really confused. He accused Democrats and Independents of passing bad laws without reading them and then going on T.V to defend them. Yet it has been republicans caught doing that for the least for the last 20 years. Regulating religion? Crazy republicans made it very clear that only a limited number Christian sects are acceptable. When did the collection of emails, cell phone records and personal data without cause or warrant is Obama’s fault? Didn’t Wayne La Pierre know that President G.W. Bush started it? Wayne La Pierre claims how news organizations are telling lies in support of certain political groups. As far as I know only Fox news and right-wing radio show have been caught in lie after lie. As far as I know CNN and MSNBC have made mistakes but they have always made prime time apologies and own up to it. Fox never has nor has Fox ever admitted their fact ‘mistakes’ and I have watched a few of their lame attempts to cover things up.

When did it become okay for someone who makes anywhere up to $100,000 a year and refuses pay one bills is a hero and someone who had been desperately searching for a job for the last three to four years loses and their unemployment insurance has to go to jail for feeding their kids. Shanesa Taylor of Arizona went to jail for trying to get a job to feed her kids. Just so you know debtor’s prisons in the United States is very real. Thousands of men and women have gone to jail for owing as little as $1000. Privatized juvenile jails are keeping their prisoners months past their release dates to fatten that prisons bills to the State.

Why do multi-billion dollar corporations deserve more in tax cuts and subsidies? To get paid just for existing in the States. And I have to pay more in taxes, and lose food stamps, A.C.A Medicare social security. To lose some of my tax deductions. To have A rich man’s son should go to college and while my nephews can’t. The Paul Ryan budget.
Why was it okay on that but unemployment insurance ‘sorry it’s just not that important.’?

You know I have even read an article about a private juvie prison in Florida being investigated for selling their male and female prisoners sexual services, like I said I am confused?