By Crispin Caday Lozano
The U. S. Supreme Court ruled unanimously on April 4, 2005 that under section 522(d)(10)(E) of the United States Bankruptcy Code (11 U.S.C. § 522(d)(10)(E)), a debtor in bankruptcy can exempt his or her IRA, up to the amount necessary for retirement, from the bankruptcy estate. The Court indicated that because rights to withdrawals [...]

Question: Will filing bankruptcy damage severely my credit score?
Answer: Definitely not. Credit score is a record of all your credit transactions and is determined by many factors such as late payments, high credit balances, charged off accounts, collection accounts and many more. All late payments will be in your credit report for seven [...]

Question: I am a U. S. citizen and I filed for an immigrant petition for my spouse and minor children. Right now, I have so many credit card debts that I cannot afford to pay and I am planning on filing bankruptcy. Will my petition for my family be affected by filing bankruptcy?
Answer: [...]

Question: Is there a requirement to file for bankruptcy that you must be a legal alien or citizen?
Answer: There is no requirement in the Bankruptcy Code that requires legal status in the United States to file for bankruptcy. A debtor could be any person in the United States who has a Social Security Number [...]

By Atty. Crispin Caday Lozano
Question:    What relief is available to aliens who entered the United States using a different name?
Answer:    If you are applying for adjustment of status and you used a name different than your real name upon your entry, you are one of those aliens who are inadmissible for committing fraud to gain [...]

By Atty. Crispin Caday Lozano
Question: What can you do if the petition for your spouse is denied by USCIS?
Answer: You will receive a decision in the mail if your case is denied.  In that decision it will tell you the basis of the decision and your right to appeal.  The appeal must be filed within [...]

By Atty. Crispin Caday Lozano
Filipinos continue to enjoy major gains in movement of priority dates. The visa bulletin for September 2010 and processing guidelines are:
September 2010 State Department Visa Bulletin.
The Department of State is presently processing the following petitions with priority dates earlier than indicated below.
Family Based Preferences:
1.  First Preference Unmarried Sons and Daughter of [...]

By Atty. Crispin Caday Lozano
Filipinos continue to enjoy big gains in movement of priority dates. Beneficiaries in the U.S. may adjust status if qualified and those in the Philippines will receive letters from the NVC about the processing of their visa.  The visa bulletin for July 2010 and processing guidelines are:
July 2010 State Department [...]