Fiancee Green Card

Okay, back to work. I am a Paralegal, not an Attorney. So in no way are these articles to be, considered as taken to be, taken as legal advice.  These articles are legal information only. Let us not forget that when a Paralegal and or an Attorney becomes involved your problem becomes an  Issue.

If you start down Fiancée Green Card road, you should know approval  is going to cost you $340. The only real requirements are that your Intendant be legally single at the time of your proposal. Plus that you have met your intendant in person at least once. It would sure be a whole lot better if you showed that  the two of you have met more than once and have had an ongoing e-mail relationship.  Also,   just like the marriage green card, If  your intendant has minor children and their other parent is out of the picture those children come to the States with their parent.  It just takes filling out the right set of forms and making sure all those forms are completed correctly and turned in at the correct times.

Now as to the forms you are going to need. The first one is I-129F. This bad boy’s instructions are nine pages long. So, if you are doing this one on your own please God, find a paralegal or a lawyer to help.

Now here is the catch this marriage must take place within ninety days of getting your intendant’s arrival in the United States.  IF, for some reason, your wedding doesn’t happen, your intendant could face a boat load of troubles. Anything from being jailed to enforceable deportation. Plus it will place major roadblocks in your intendants further attempts to immigrate. Having a failed wedding without cause on their record could hamstring them Even if they find someone else willing to marry them.

However, if there are valid reasons the marriage did not take place.  Reasons such rape or assault.  An intended could try again or ask to apply for other types of green cards.

Okay, Now comes the paperwork part. As soon as your Pastor or your Judge says you do you, your independent must get started on the real paperwork right away. Your intendant still needs to file Forms I-765 and I-485.  If these forms don’t get turned in, your intendant could still find themselves deported.  Also, let us not forget about form I-130, which will a get visas for any minor children your intendant wishes to bring with them. This  form does include step-children as long as they came into the custody of your intendant care before the child’s 18th birthday.

Opinion: If your intendant does have minor boys and wishes to bring them There is one form that should turn in at the same time you turn in a Fiancee Visa application.  Form I-130

SIDE-NOTE:  After your marriage ceremony is over, your new spouse can sponsor the Immigration of children over the age of 21 years.  Your new spouse would be able to sponsor parents and or their cousins.

Next time I am gong to talk about voting rights. Then back to immigration.

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

Court Costs/ Bankruptcy 2

As before I am not a Lawyer I am a Paralegal. Also when a Lawyer or a Paralegal becomes involved your problem becomes an issue.

WARNING! When you make your 1st, 2nd, 3rd or last filing fee payment make damn sure that check will clear. If it bounces, it is a $53 fine. Plus, neither Trustee nor your Lawyer is gonna be happy with you if it bounces. So if you run into trouble talk to your lawyer or with the bankruptcy court clerk. If you keep them in the loop, the clerk or your lawyer may be able to get a payment rescheduled. Just remember the entire fee must be paid in full 180 days after you started your Bankruptcy. Also remember, if you get into serious trouble and can’t make your payments, talk to your lawyer you may now qualify for the full fee waiver.

Now this is a piece of friendly not legal advice. If you decide to go down this road make damn sure you got every single debt you owe listed and turned over to your Lawyer. There have been cases of Clients who kept certain debts back from their lawyers because they thought could manage this debt on the sly. Unfortunately everything crashes after they receive their discharge and their lawyer is forced to go back into their bankruptcy filing and add this debt. This costs the client another $245 in court costs. Not to mention what their lawyer charges for getting the right forms filled out and convincing the Trustee that their client isn’t playing games.

Seriously amending or adding debt to a Bankruptcy Discharge is meant for unforeseeable financial emergencies. For example if you suddenly find yourself hit with several thousand in unexpected medical bills after receiving your discharge; you can get them added to your bankruptcy.

All right than moving on to Chapter 13 Bankruptcy. A Chap. 13, basically means, ‘ I messed up give some time to get my shit together.’ The cost of a Chapter 13 bankruptcy breaks down as follows, $235 filing fee plus a $46 miscellaneous administrative fee. Don’t worry you will have the same options to get the filing fee paid as is in a Chapter. 7. Except for the fee waiver, the waiver is for souls with absolutely no income.
The way a Chapter 13 works is once again you list all your debts and assets. Plus how much you can reasonably pay, not comfortably pay, reasonably pay. What happens is your payments are given to the Trustee and she/he will give your debtors a portion of that money. You also will have given the Trustee a workable plan to get your finances back to where they needs to be so you can handle your debt.
Side-Note: A reasonable payment is how much you can give the Trustee and still keep your family fed and housed. Plus enough for a dinner and a movie every now and then. A comfortable payment lets you go out partying every weekend.
More about the Costs of Captor 13 next week.