Larry yang columns 2013

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How bankruptcy can help you rebuild your finances, your credit and your life

Autistic debtor discharges student loans

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BANKRUPTCY WE ARE A DEBT RELIEF AGENCY. WE REPRESENT DEBTORS IN CHAPTER 7, 13, 11 AND 12 OF THE NEW BANKRUPTCY LAW. THIS INCLUDES RELIEF FROM MORTGAGE PAYMENT DEFAULTS AND PRE-FORECLOSURE RELIEF FOR RESIDENCES AND OTHER REAL ESTATE PROPERTIES.

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Have you mortgaged your grandchildren to Mastercard and Visa? Snowed under by a mountain of debt? Worried about losing your home and car? Call me immediately today! Yes, I speak Tagalog. No, I won’t charge you for consultation. I can help you keep your home, car and other personal properties.

I look forward to help you: discharge debts; stop foreclosures; wage garnishments; stop harassments from collectors; stop repossessions.

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710

The general rule in bankruptcy is that student loans are not dischargeable debts, unless debtor can BANKRUPTCY satisfy the three prongs of the ‘Brunner’ test. For instance, you went to medical school and incurred $300,000 of student loans. Unfortunately, you are not able to pass the first part of the medical board exam. You cannot become a doctor. The only job you can find so far is working as a caregiver. You file for Chapter 7 relief and seek to discharge your $300,000 of student loans because your income as a caregiver is not enough to pay your student loans

BY ATTY. and living expenses at the same time. You are tired LAWRENCE YANG of living in Michael Jackson’s mausoleum just so you can pay your student loans. You show the judge pictures of your neck where the vampire Lestat has attempted to bite you because he is your roommate, or shall we say, mausoleum mate. You are ready to inject yourself with methadone and say goodbye to this cruel world, if your student loans are not discharged.

Will the court discharge your student loans? N0. Sorry. But you might be able to do so if you are autistic.

In Re Todd, the 63-year old debtor had an autism disorder since early childhood. The court described the debtor as articulate and intelligent. “If one were to read select portions of the transcript without having watched the trial, one might be fooled into thinking that she can function normally. But that conclusion would be a gross misperception.

It quickly became evident from the vantage point of the bench, that debtor’s reality is very different from the norm. Autism tunnels her perception to a very fine point and that is reflected by her eerie disconnectedness from a comprehensive life experience. As a matter of behavior, there were several times during her testimony when debtor became overwhelmed in the face of seemingly innocuous questions and for no apparent reason folded into a fearful shell which could not be opened even with a large wooden spoon.

None of this was contrived; instead, it all found its source in debtor’s incurable ailment,” the court said. “Her daily existence, described during her deposition, also bears this out.

In sum, it consists of breakfast followed by a regime of pills, surfing the internet, prayer for several hours, eating every two hours, and contacting churches and Autism related organizations with the largely quixotic goal of finding work or, perhaps more likely, charity. (Sounds like my daily schedule for the last 10 years). The hall mark is isolation.” The debtor owed nearly $340,000 in student loans that were incurred to fund 20 years of education. She had been under employed since 2003, and never had a job until 1999 when she served as Chief Justice of the Supreme Court in Wonderland. Her total monthly income as Chief Justice was $768 in SSDI payments supplemented by $200 in food stamps. Her monthly expenses were $1,906. She received voluntary contributions from Alice and the mad hatter. The court said the debtor was able to survive thanks to her tenacious efforts at finding charity from all of the characters in Wonderland except the wicked witch. Given the amount of the debtor’s student loans, the court found that even if the debtor reduced her expenses her current income would not allow her to maintain a minimal standard of living and repay her student loans.

Thus, the debtor satisfied the first prong of the ‘Brunner’ test. The debtor clearly and convincingly showed when she was not folded up like a giant shell, that her autism, age, and other ailments were, in combination, special circumstances that created a certainty of hopelessness necessary to satisfy ‘Brunner’s second prong. The lenders argued that

them from creditors or the bankruptcy court, as well as purchasing luxury items with the knowledge that you couldn’t possibly make the required payments.

Chapter 13 can be the most effective way to consolidate all your debts into one low monthly payment that you can afford. In a lot of cases, most debts are only paid a small percentage of the actual amount owed, resulting in significant reduction- a reduction of 50% or more is not unusual. Even a second mortgage on your home can be reduced or eliminated if your property is “upside down” and the second mortgage is essentially “unsecured” due to lack of equity in your property. With reduced debt payments every month, people who are struggling financially are able to manage their finances better by making sure that they have enough money left over for basic necessities before paying any of their creditors.

If you need help in finding a solution to your debt problems, we can help you figure out your options. Please call Toll-Free 1-866-477-7772. We have offices in Glendale, Cerritos, West Covina and Valencia.

(None of the information herein is intended to give legal advice for any specific situation. Atty. Ray Bulaon has successfully helped over 5,000 clients in getting out of debt.

For a free attorney evaluation of your situation, please call Ray Bulaon Law Offices at TOLL FREE 1-866-477-7772).

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When debts spiral out of control, bankruptcy MINDING YOUR can become an invaluable financial recovery tool FINANCES in stemming the tide and getting you back on the right track. While it’s not for everyone, more than 1.5 million people every year find it to be their only hope of getting a fresh financial start. Debt problems can be the result of unemployment, reduction in income, disability, divorce, or in some cases, poor financial decisions. A financial crisis can happen to anyone at any time. No one is exempt. Bankruptcy is a fact of life. Without it, people with serious debt

BY ATTY. RAY BULAON problems will remain stuck where they are, unable to move on with their lives. Living with stress every day caused by the burden of debt is a horrible way to live. Bankruptcy can offer hope when the future looks bleak.

Because of eligibility requirements for the type of relief being sought, some people will qualify for Chapter 7 to completely wipe out their debts. Others may have no choice but to file Chapter 13 and pay their creditors over a 3-5 year period. Much of it depends on your income and your assets. You also need to take into consideration your purpose in seeking debt relief.

Under the latest rules for Chapter 7 bankruptcy eligibility, your current monthly income must be measured against the median monthly income for a family of your size in your state. If your average monthly income is lower than the median, Chapter 7 may be for you. If your income is higher than the median, Chapter 7 is still a possibility, but there is an additional step. You have to undergo what’s known as “the means test”, a mathematical formula for calculating your disposable income and determining whether it is high enough to help pay off some of your debts. Technically speaking, the test measures your disposable income after subtracting various expenses and payments, and shows whether that amount would be sufficient to make a dent in your unsecured debts over a five-year period.

Chapter 7 will be denied to those who have received a discharge of debts under Chapter 7 within the last eight years or Chapter 13 within the last six years. You may also not be able to file if you were denied a Chapter 7 or Chapter 13 bankruptcy within the previous 180 days. Your eligibility for Chapter 7 bankruptcy may be in serious jeopardy if the court believes you are guilty of defrauding your creditors. Among other actions, this can include transferring assets to friends or relatives in an attempt to hide

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Debt to income ratio play a big role in the process of keeping your home through loan modification, refinance and home loan for first time buyer Debt To Income Ratio is the key to a viable loan FINANCIAL modification and a simple but useful measure of household finances, you can achieve that by conSOLUTIONS sidering a debt counseling which homeowner will undergo financial eligibility process. It will provide you basic information if you are a good candidate for a loan modification and other loan program.

Financial capability is being determined and will guide homeowner to qualify for any home retention program, to short sale the property or save the home through loan modification.

Hundreds of homeowners desire to keep their

BY CLARO PEREZ homes, big question is, can you afford the mortgage payment after the loan modification? Not enough income or to much income without hardship play a big role in the eligibility process. First and foremost homeowners must undergo the evaluation process under debt counseling.

If you are not able to make all the payments on your home and afraid of losing it, you might consider a loan modification program. You may wonder what is a loan modification program, how to apply, and what the qualification or eligibilities are. This article will tell you how.

Can a Loan Modification Help You? Are you afraid of losing your home?

Do you find yourself falling ever further behind in your monthly mortgage payments?

It may be possible a mortgage loan modification program might again be able to afford the payments on your home. You may be able to avoid foreclosure with a loan modification.

What Are the Qualifications for a Loan Modification Program?

There are qualifications for a loan modification program which must be taken into consideration. First of all, you need to demonstrate to your lender that you have suffered a true financial hardship. You must demonstrate that this hardship makes paying your loan unaffordable. Some unexpected reason are divorce, the death of a family member, reduction of income or loss of job, illness or major medical expenses, job transfer, or incarceration. The loss of equity will not count. You must also prove to the lender that with loan modification you will be able to make loan payments now and in the future.

Your lender will want to know that you will not default on your mortgage if you receive a new terms that lower your mortgage payment. You must demonstrate that your property taxes, mortgage payment, insurance, and home owner’s dues ARE MORE THAN 31% OF YOUR GROSS INCOME. You will also have a complete and accurate application, with your adequate financial information to your lender.

If a Bank Holds All the Cards, Why Would it Wants to Give You a Loan Modification Anyway?

What is a loan modification program going to do for your? You may think a lender holds all the cards, if you are so far behind on your mortgage payments and afraid of losing your home. You can’t understand why a bank would give you better terms, Why would it want to give you a loan modification? Also, foreclosure proceedings are expensive for banks. Foreclosure is only possible if the home owners have no financial capability to continue paying the mortgage. Lenders have no other choice than to foreclose the home and lenders hate homeowners that take advantage for a free ride. In spite of that, a homeowner must meet the eligibility requirements.

How Do I Apply for a Loan Modification?

Taking all of the above into consideration, if a loan modification sounds interesting to you in your circumstances. You must undergo a financial evaluation to avoid waste of time and money. This will assist you if you can save your home through loan modification. Why apply if you can’t really afford to keep your home. There are lots of financial solutions available to assist you lower your debt payments so that you can keep or save your home for instance, Debt Settlement, Bankruptcy, and Loan Modification. The Important key is your Debt Income Ratio, the Government created the Home Affordable Modification Program for both First and Second Mortgages and Lenders also availed in house traditional modification program, forbearance, and repayment program just to help qualified and eligible home owners to keep there homes.

How Do I find a Legitimate Loan Modification Company or Counselor?

You can increase your chances of finding a legitimate loan modification company and legitimate loan modification specialist by asking for legitimate proof that they have lots of successful loan modification approvals and by word of mouth from homeowners that have been approved on their loan modification. One important factor is that a loan modification Specialist must evaluate you first, explain and show real documentation of a successful approvals on hand.

If too much unsecured debt payment is the reason for non-eligibility in a loan modification debt settlement or debt relief program. Want to strip or to get rid of your second

YANG From page 31

the debtor did not satisfy the third prong.

Debtor’s failure to make any payments and refusal to enter into an income contingent repayment program were irrefutable evidence of the debtor’s bad faith, whereupon, the debtor unfolded an arm and middle finger and aimed it at lenders.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California.

He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

mortgage? Give us a call and we will help you accomplish that Financial Predicament.

Recently Decline On Your Loan Modification? Come And See Us CRP Has Solutions For You To Keep Your Home.

CRP has successfully facilitate thousands of Home Owners with their Loan Modification approvals and has proof for the manner.

For detailed information call: Claro R. Perez 1-626-922-4916 or 626-331-8889 Loan Modification Specialist, Second Mortgage Settlement/Credit Enhancement Advocate, and President & CEO: CRP Business Mortgage Solutions, Inc. For Purchase, Short Listing and Home Loans: Fe A Perez: DRE Licensed Broker/ Owner Providence Realty and Mortgage, Inc. 626-905-2531 and Carlo A. Perez: DRE Licensed Broker/Owner Division Capital, Inc. 626-922-4013.

We open Monday to Friday 9:00am to 5:00pm. Saturday and Sunday by appointment only CRP Business Mortgage Solutions, Incorporated Business Address: 279 W. Badillo Street, Covina, CA. 91723.

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Remind yourself to be free from debt like Passover seder What are the 4 questions in ‘Passover Seder�? Passover Seder is a ritual feast held in the homes of Jewish people as part of the Passover celebration. They celebrate this for a week every year. This year it was celebrated in March. What is the ‘Passover’? About 3,300 years ago, the Jews were slaves in Egypt. For 400 years they were enslaved! The Jews are still the chosen people of the one true God, the God of Moses and Israel, my God. The mystery is that the one true God is a Trinity of Three, God the Father, God the Son, and God the Holy Spirit. God the Son, Jesus, became incarnate through the Blessed Virgin Mary and died on the cross for us, that we may have salvation and have eternal life with Him. God appointed Moses as his spokesman to ask Pharaoh, to let his people free but Pharaoh refused. God sent ten plagues to afflict the Egyptians to persuade Pharaoh.

The 10 plagues: 1. Water turned to blood killing all the fish in the Nile to mock the Egyptian god of the Nile, Hapi; 2. Frogs coming out from everywhere to mock Egyptian goddess Heket who had the head of a frog; 3. Dust turned to lice in

all of Egypt to mock the 5th plague. But because BANKRUPTCY Egyptian god Geb, god Pharaoh was still full of of earth dust; 4. Flies that pride and believed he pestered only Egyptians was more powerful than to mock the Egyptian the one true God and god Kephri; 5. Death of thought that he could all Egyptian cattle and still negotiate with God livestock to mock the after God had shown Egyptian god Hathor; His power in the first 9 6. Boils and sores on plagues proving that all all Egyptians to mock 9 Egyptians Gods were

BY ATTY. LAWRENCE YANG the Egyptian goddess of fake, and He alone is medicine, Isis; 7. Hail fire God, God told Moses to from the sky to mock the tell Pharaoh that there Egyptian god Nut, goddess of the sky; 8. was no negotiations, no conditions for the Swarms of locusts from the sky to mock the release of His people. So, if Pharaoh did not Egyptian God Seth, god of storms; 9. Three agree to release the Jews unconditionally, days of darkness to mock the Egyptian god all of the first born sons of the Egyptians Ra, the sun god; 10. Death to all first born would die. God told Moses to tell the Jews sons of Egyptians, including the first born that they should mark their doors with the of Pharaoh to mock Pharaoh himself who blood of a spring lamb so that the angel of claims to be all powerful but powerless to death would ‘Passover’ their houses. The save his own son. next day all of the first born sons of the The Passover involves the 10th plague. Egyptians died including the first born of On the 9th plague, Pharaoh agreed to let Pharaoh.

Since then every year, the Jews celthe Jews go but demanded that they leave their livestock behind since all Egyptian ebrate the ‘Passover’ with a Passover ritual cattle and livestock had died due to the feast in their homes. The children ask 4

questions in the Passover Seder: ON ALL OTHER NIGHTS: We eat bread (leavened or raised) or matza (flat or unleavened), on this night we only eat matza: Answer: Because we were in such a hurry to leave Egypt we could not wait for the bread to rise.

We eat all kinds of vegetables and herbs, but on this night we have to eat bitter herbs.

Answer: To remind us of the bitterness of slavery.

We don’t dip our vegetables in salt water, but on this night we dip them twice.

Answer: To remind of our tears in slavery.

We eat reclining. Answer: Resting on one elbow enjoying the night with relatives and friends reminds us of freedom.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

Aquino approves laws converting two colleges into state universities MANILA, May 31 (Mabuhay) – President Benigno S. Aquino III signed on May 24 two laws converting two colleges into state universities in Mountain Province and Cotabato City.

The President signed Republic Act 10583 “An Act Converting the Mountain Province State Polytechnic College in the Municipality of Bontoc, Mountain Province Into a State University to be Known as the Mountain Province State University, with the Campuses in the Municipalities of Tadian, Bauko, Paracelis, and Barlig, all located in Mountain Prov-

ince and Appropriating Funds Therefor.�

The newly created state university will have a main campus in the municipality of Bontoc in the Mountain Province.

As mandated by the law, the university will provide advanced education, higher technological, professional instruction and training in forestry and agriculture, teacher education, engineering and technology.

It will also focus on arts, humanities, sciences and other relevant fields of study.

The academic institution will also promote and undertake research, extension

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services and production activities in support of the socioeconomic development of Mountain Province and the Cordillera Administrative Region.

The President also signed Republic Act 10585 “An Act Converting the Cotabato City State Polytechnic College in Cotabato City into a State University to be Known as the Cotabato State University and Appropriating Funds Therefor.�

The newly converted state university will have a main campus in Cotabato City.

Under the law, the Cotabato State University will focus on providing advanced

education, higher technological, professional instruction and training in arts and sciences, psychology, and social work.

It will also extend training on community development, teacher education, agriculture, forestry, fishery, engineering, industrial technology, information technology, public administration, peace and development, business administration, health sciences, political science and law.

The university will promote and undertake research and extension services and provide progressive leadership in its areas of specialization.

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Afraid of your debt problems, think of U.S. DEPORTED Jesus resurrecting daughter of Jarius ment priorities by focusing on convicted From page 1

Are you worried that your debt problems are insurBANKRUPTCY mountable? Actually, debt problems are small potatoes in the big picture of life, death and life after death. We are temporarily here on earth en-route to eternal life in heaven with Jesus, God the Father and God the Holy Spirit. Jesus became man, suffered and died on the cross so that we can have eternal life in heaven after we die here on earth. So, when you look at your debt problems from the perspective of eternity with God in heaven, your debt problems are really nothing to worry about. What you really have to worry about is ending

BY ATTY. up in hell instead of heaven when you die.

LAWRENCE YANG But if you are indeed worried about your debt problems now, you can rely on Jesus who is the Almighty Creator of the universe and Who has power over death. Ask Jesus to help you out of your debt problems. He will certainly guide you towards the right path to get rid of your debt problems. Perhaps a bankruptcy 7 or 13 will relieve you of your debt problems.

How many people did Jesus resurrect from the dead? The answer is 4. Jesus resurrected his friend Lazarus who had been dead and buried in a tomb for 4 days. Jesus also resurrected the dead son of the widow of Nain. Jesus also resurrected the 12-year-old daughter of Jarius who had just died. And of course, Jesus resurrected himself 3 days after His death on the cross!

In Mathew, Mark and Luke appears the account of the resurrection of the 12-year-old daughter of Jarius. Having recently performed the exorcism of the legion of demons that left the possessed man and went into a herd of pigs, Jesus’ renown was quickly spreading.

As He is thronged by a multitude of curious and desperate people, a distraught father bows to Him, desperately asking Him to heal his dying daughter.

Jesus responds by going immediately to the home of the father, Jarius, a ruler of the same synagogue that the centurion had built for the Jews and whose servant Jesus had healed. “I am not worthy that you should come under my roof (to heal my servant), say but the word and he will be healed” said the centurion to Jesus. On the way, Jesus heals a woman with a serious blood illness.

Because of the miracles that Jesus had performed, Jarius was convinced of His power.

Although he expresses unhesitating faith in the ability of Jesus to heal, his faith is not equal to the centurion’s, who believed that distance was no hindrance to the infinite power of Jesus.

Jarius believes that Jesus has to be physically present in his home and touch his daughter.

As Jesus walks to the house of Jarius, a friend informs Jarius of the sad news, “Your daughter is dead.” Such a statement would have been devastating, but being in the presence of Jesus gave the grief-stricken father hope. Jesus is willing, even eager, to help the sick and dying. Though He refuses to flaunt His power, He is quick to glorify His Father, the one true God. As soon as Jesus hears the sad news of his daughter’s death, Jesus says “Do not be afraid; only believe, and she will be made well.” With a word of hope, He comforts Jarius. So, do not be afraid of your debt problems, only believe and you will be made well and placed on solid financial foundation.

Jesus resurrects the daughter of Jarius in the presence of five appropriate witnesses; the father, mother, and only three of His disciples, Peter, James, and John. To establish the miracle’s veracity, He uses two unconverted people and three who were being converted.

There are a total of ten witnesses to the miracle plus the daughter of Jarius who was dead and resurrected.

Rely on the infinite power of Jesus who has power over life and death!

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California.

He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

BAREFOOT

National Day Laborer Organizing Network, also looked at the deportation numbers with skepticism. “It’s easy for the [Obama] administration to say that those deported fit their priorities when the White House has practically made sneezing a criminal act for immigrants,” Alvarado said.

“These numbers may represent political calculus for the beltway but, for immigrant families, they represent our parents, siblings and loved ones.” To date, the total number of deportations has reached to more than 1.9 million since Pres. Obama was first elected in 2008, the highest record by far for any U.S president.

Top 10 countries were: 241,493 Mexicans deported in 2013; Guatemala (47,769); Honduras (37,049); El Salvador (21,602); and the Dominican Republic (2,462); Ecuador (1,616); Brazil (1,500); Colombia (1,429); Nicaragua (1,383); and Jamaica (1,119).

While the Philippines was not part of the list – and the year-end ICE report did not mention its ranking – the population of undocumented Filipinos (270,000) in the United States remains the second highest, slightly lower than Chinese (280,000), among the Asian groups. Asian immigrants make up 11 percent of the 11 million undocumented immigrants in the United States, living and working in the shadows.

According to the U.S. Department of Homeland Security, about 4 million people born in the Philippines now live in the United States.

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From page 1

Church organizers said one person suffered a stroke.

Large numbers of police were mustered to help maintain order along the six-kilometer (four-mile) route, but the procession was crawling so slowly that just over a third of the distance had been covered as dusk fell.

As of midday organizers said this year’s crowd outnumbered the estimated nine million who attended last year, although the number could not be independently verified.

Devotees climbed on each other’s shoulders to kiss the statue or wipe it with white towels and handkerchiefs.

Others fought over a pair of thick lengths of rope that the pilgrims used to pull the carriage.

In scenes reminiscent of a rock concert mosh pit, one determined woman surfed the crowd to reach the icon, only to fall back and sink into the sea of humanity afterwards.

More than 80 percent of the Philippines’ 100 million people are Catholic, a legacy of four centuries of Spanish colonial rule, making it Asia’s main bastion of the faith.

The country is deeply religious, but Thursday’s march represents one of its more extreme forms of veneration.

criminals while also continuing to secure our nation’s borders,” John Sandweg, ICE acting director, said in a news release.

But the new removal figures provoked Filipino-American groups and other advocates for immigrant rights, saying that the numbers are misleading and that they don’t add up on Obama’s promise to stop unnecessary deportations, while Congress remains deadlocked on a comprehensive immigration reform that will legalize 11 million undocumented immigrants.

While it is true that the Obama administration deported criminals, advocates say, the report also revealed that it ousted 151,834 individuals without a criminal conviction.

Most of these immigrants only had immigration violations such as overstaying their visas, which is considered to be a civil offense, and those who are ignoring deportation orders. “The government would claim that they have achieved its enforcement goal, and that they only look for criminals. That’s all rhetoric,” said Emelyn Tapaoan, a Fil-Am adjunct professor who teaches race and ethnic studies at City University of New York’s (CUNY) Manhattan College. “If you’re undocumented, even with no criminal record, you have no immunity to deportation. That’s the truth.”

Pablo Alvarado, executive director of

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Workshop or weekend home does not qualify as homestead In California, the equity in your homestead BANKRUPTCY (your residence) is exempt up to a certain amount, depending on your circumstances. For instance, if you are at least 65 years old, you can exempt $175,000 of equity in your residence. So, if your house has a current fair market value of $300,000 and you have a mortgage on it with a balance of $150,000, the entire equity of $150,000 is exempt in bankruptcy. In other words, if you file for Chapter 7 relief, you can exempt your house and keep it even as you discharge a million dollars of

BY ATTY. unsecured debt. But let’s say that you own two lots LAWRENCE YANG which are adjacent to each other. On one lot, you have your residence. On the other lot, you have a two storey building which you use for business. In fact, on the first floor of this building you operate a restaurant that specializes in fried chicken Tahitian style. On the second floor of this building, you keep your inventory of live chickens. Last week, your wife left you because she alleges that “you chicken lover, you love your chickens more than you love me!” You are despondent because your wife has left you and it’s not even true that you love your chickens more than you love your wife. The truth is that you love your wife and your chickens equally. You abandon your residence and live in with your chickens in the second floor of the building.

A month after you move into the 2nd floor of the building, you file for Chapter 7

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relief to discharge $100,000 of credit card debt. You exempt the $100,000 equity in the building alleging that you have 50 dependents who happen to have feathers instead of hair and that you claim the building as your homestead. The trustee objects to your claim of exemption because the building is your place of business, not your residence.

Who is correct?

In Re Perry, the debtor owned two adjacent parcels of land. A house where the debtor once lived was located on one lot. A workshop used in the debtor’s welding business was located on the other lot. Debtor moved out of the house in September 2011. Since then, he returned to the area every two or three weeks. When he was in town, he stayed in the workshop, which had a sofa bed and refrigerator. When the debtor filed for Chapter 7 relief in March 2012, he claimed the workshop property as his exempt homestead. He abandoned the house, which was subject to liens in excess of its value. The bankruptcy court sustained the trustee’s objection to the debtor’s homestead exemption, finding that the debtor’s business homestead did not survive the abandonment of the accompanying residential homestead. While Texas allows an urban homestead to include both the debtor’s residence and his business, debtors must establish the residential nature of the property before they may claim it as their exempt homestead. Consequently, after abandoning his home, the debtor needed to prove that the workshop was used as his residence before the property could be claimed as exempt. He failed to do so. “Debtor did not, nor has he ever, resided upon Lot 152. The workshop, and by implication, the lot on which it sits, has predominantly been a place of business. The fact that Debtor continued to use the workshop after moving to Keller does not lend weight to the homestead argument. Further, the record lacks any evidence to suggest that Debtor conditioned the workshop for residential purposes or intended to do so. If anything, the record suggests that Debtor envisioned the property as a weekend home. That does not a homestead make,” the court said.

However, in our chicken example, debtor may be treated differently by the court. He needs to show that the second floor where he lives has a place to shower and a toilet, and at least a mattress where he can sleep. He has a commercial kitchen in the first floor anyway.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

St Pedro Calungsod and St Kateri Takekwitha Life Stories Musical at The Pantages Feb. 10 Last year of World Mission Sunday, October 21st, 2012 the Holy Father, Pope Benedict XVI canonized 7 new saints: Jacques Berthieu, Pedro Calungsod, Giovanni Battista Piamarta, Maria Carmen Salles Barangueras, Marianne Cope, Kateri Tekakwitha, Anna Schaffer. Three of these saints were lay people. And two of those three lay people, namely St. Kateri Tekakwitha and St. Pedro Calungsod died very young. St. Kateri died when she was 24 years old. And St. Pedro Calungsod was martyred in Guam when he was 17 years old. This means that they committed themselves to living saintly lives as young people. So, how does the Catholic Church beatify and canonize a person as blessed and as a saint worthy of public veneration?

The process cannot start until after 5 years of the person’s death. Only then can the local church where the person originated start documenting the life and heroic virtues of a holy man or woman. The 5 years of waiting is necessary because it insures that the person has an enduring reputation for sanctity among the faithful. In some instances, like the case of Blessed Mother Teresa and Blessed John Paul II, that requirement was waived by the Pope.

Then the Bishop of the diocese in which the individual died or the bishop of the diocese where the person was born petitions the Pope to allow the initialization of a Cause for Beatification and Canonization. If no one in the Roman Dicasteries objects, in particular the Congregation for the Doctrine of the Faith, the permission, or nihil obstat (i.e. nothing stands in the way) is granted to the initiating Bishop. Once a Cause has been opened, the holy man or woman is then called a Servant of God. During the first phase of the process, the Postulation, a group of expert theologians like priests, religious, and lay formed by the Diocesan Bishop must gather testimony about the life and virtues of the Servant of God. Also, the person’s public and private writings are collected and examined. This initial phase of documentation can take many years and will only be completed once the Cause receives a judgment from the diocesan Tribunal and ultimately decided upon by the initiating Bishop. The results, along with the volumes of documentation, or Acta (Acts) will be submitted to the Congregation for the Cause of the Saints. Then the theological commission of the Sacred Congregation for the Cause of the Saints takes a vote after which the recommendation is then passed to the cardinals, bishop members of the Congregation who in turn vote. Their vote determines whether the Cause can proceed.

With the affirmative vote from the Sacred Congregation, the Cause goes to the Holy Father, who judges the person as Venerable. Then once the person is declared Venerable, the next step is the approval of a miracle, evidence of the intercessory power of the Venerable and thus of his or her union after death with God. The miracle is first examined at the diocesan level where the miracle happened, not in the diocese of the Cause, unless the same.

Once the miracle has been verified by the theological commission, and has been voted upon by the General Meeting of the cardinal and Episcopal members, the Pope can then approve or not the decree of a Miracle, thereby declaring that the person can be beatified. Once the person has been beatified, the same process is used for the person’s canonization. In cases of martyrdom, like the martyrdom of St. Pedro Calungsod, the miracle required for beatification can be waived – martyrdom being understood as a miracle of grace. In this case, the vote of the Congregation would be to determine the death of the person as a true martyrdom, resulting in a Decree of Martyrdom by the Pope.

As you can see, the initial process begins at the diocesan level or at the local church level before it even gets to the Congregation for the Cause of the Saints in Rome. That is why in our musical, Fides Ecclesiae – Faith of the Church, Bishop Oscar Solis, the first Filipino Bishop in the US, sings the song – “St. Pedro Calungsod” right after the martyrdom of Pedro to show that the recognition and public veneration of the saint already happens at the local church before he or she gets recognized as a blessed or as a saint by the universal Catholic Church. In this Year of Faith, let us open our hearts to the inspiration of the lives of St. Kateri and St. Pedro.

Come and see our musical, Fides Ecclesiae- Faith of the Church on Sunday, February 10 at 7 pm at the Pantages Theatre. You may purchase tickets at Ticketmaster, or at the Pantages box office or at your local churches. You may also visit our website- www. faithofthechurch.com.

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Two jobs, one parent company – Should overtime be paid?

Q: I work as a labopay?

PROTECTING ratory technician for two A. A person may be EMPLOYEE & companies, although they employed by two or CONSUMER RIGHTS have the same parent more “employers” at company. I work a total the same time. A quesof 60 hours per week. tion may arise if the two I am not paid overtime employers are “related” because I was told that I in some way. For exworked for different comample, company A and panies and my hours are company B may have the less than 40 per week for same owner, or the same each company. However, parent company. If so, the two companies have does the employee have

BY C. JOE SAYAS, JR. only one employer? How the same set of managers, HR, and payroll people. should the employee be Am I really working for two different em- paid for working more than 8 hours in a day ployers? If not, am I entitled to overtime or more than 40 hours in a week?

A joint employment relationship has important consequences for the employee.

All hours worked by the employee during the workweek for all joint employers must be aggregated when determining the employee’s number of hours worked.

Therefore, the laboratory technician above who worked a total of 60 hours for the week should be paid 20 hours of overtime.

Generally, two or more employers will not be considered joint employers if they act independently of each other. However, employers will be considered joint employers if: (1) the employers have an arrangement to share the employee’s services (2) one employer acts directly or indirectly in the interest of the other employer in relation to the employee, or (3) the employers share control of the employee, directly or indirectly, because one employer controls the other employer, or each of the employers is under common control.

Sometimes, separate employers may

be treated as a single employer when they are part of an “integrated enterprise” such as parent corporations and their subsidiaries. Courts have considered the following four factors in determining an integrated enterprise: 1) common management 2) interrelationship between operations 3) centralized control of labor relations 4) degree of common ownership/financial control Where employees seemingly work for different employers, the finding of an integrated enterprise or a joint employment relationship entitles employees to overtime pay. Additionally, it ensures that employees

are paid all their wages in the event that one employer becomes insolvent.

[C. Joe Sayas, Jr., Esq. is trial attorney who has obtained several million dollar recoveries for his clients against insurance companies and employers. He has been selected as a Super Lawyer by the Los Angeles Magazine, featured in the cover of Los Angeles Daily Journal’s Verdicts and Settlements, and is a member of the Million Dollar-Advocates Forum. He is a graduate of Georgetown University Law Center Washington, D.C. and the University of the Philippines. Visit his website at www.joesayaslaw.com or contact his office at (818) 291-0088 for a no-cost inquiry.]

Income tax refunds is property of bankruptcy estate unless exempt get that money from UnLet’s say that you cle Sam, cut me a check decide to file for Chapter BANKRUPTCY for $9,166” the trustee 7 relief this month to says to you. Is it too late discharge $100,000 of to save your refund? No. hospital bills and credit You can still save it. Your card debt. You anticilawyer is going to tell the pate that you will have trustee that he is going an income tax refund to amend schedule B to claim of $10,000. What show the expected reis the bankruptcy treatfund and C to exempt the ment of this refund? If

BY ATTY. money so that the trustee your Chapter 7 case is LAWRENCE YANG will back off. But mind filed before you file your you, your lawyer can only 2013 tax returns, the take this course of action entire $10,000 becomes a receivable which is one of your personal if you still have an applicable exemption. If assets, just like a car. Your schedule B you do not have an exemption to use, you must disclose the $10,000 as an expected will have to pay the trustee $9,166 when income tax refund. If you want to keep the you receive your refund.

What if you argue that you filed a joint $10,000, and I presume that you do, you must exempt the entire $10,000 in schedule tax return with your wife who has not filed C. If you do not exempt the $10,000, you a joint bankruptcy with you and that your must give the $10,000 to the Chapter 7 income for the entire year of 2012 was trustee when you receive the refund from only $500? There was no federal income the IRS. But given the fact that the USA tax withheld from your income. This is a is bankrupt, you might as well kiss your valid argument because if you had practically no income for 2012, all of the refund refund goodbye.

If you are not able to exempt the actually belongs to your wife. State law $10,000 as a receivable this month, you defines the nature and extent of a debtor’s might consider delaying your Chapter 7 interest in property. So whether or not this filing until after you file your tax returns argument will hold water depends on where and actually receive the $10,000. When you reside.

If you live here in California which is a you receive the $10,000, you can use that money for the mortgage and other house- community property state, your wife’s rehold expenses. In other words, use it up fund is community property, so the refund so that it is no longer a receivable or an also belongs to you as community property. asset. Or, you can use the $10,000 to buy a In California, the fact that you earned nothlife insurance with cash value of the same ing for 2012 is irrelevant, unless you have amount and use the applicable exemption a prenuptial agreement. If you have a preof Section 703.140(b)(8). These steps are nuptial agreement, the $10,000 belongs to pre bankruptcy planning activities which your wife as her separate property and so the trustee cannot take it. If you do not live are allowed by bankruptcy law.

But what if you filed your Chapter 7 in a community property state, like Indiana, petition on December 1, 2012 and you your wife will keep the refund.

Lawrence Bautista Yang is a graduate forgot that you had a $10,000 refund for 2012? Your 341 A hearing is tomorrow. At of Georgetown University Law Center and the hearing, the Chapter 7 trustee asks you has been in law practice for thirty years. if you expect a tax refund for 2012. You He specializes in bankruptcy, business and scratch your head and finally say “yeah, civil litigation and has handled more than I think a have a little bit coming in.” The five thousand successful bankruptcy cases trustee presses you further “how much is in California.

He speaks Tagalog and looks forward a little bit?” “Just a little $10,000” you manage to whisper out with tears streaming to discussing your case with you persondown your cheeks. “Did you say $10,000? ally. Please call Angie, Barbara or Jess Well, I own 91.66% of that $10,000 be- at (626) 284-1142 for an appointment at cause that refund corresponds to 11 months 1000 S Fremont Ave Bldg A-1 Suite 1125 of your income in 2012. So, as soon as you Unit 58 Alhambra, CA 91803.

Mabalacat to celebrate 39th reunion in Arcadia, CA The 39th Annual Mabalacat Residents of Southern California (MRSC, Inc) Fiesta / Reunion is set for Feb 2, 2013 at the Arcadia Community Hall. MRSC has one of the longest running yearly events among Filipino American social groups and every event is very well attended.

Arcadia Community Hall is at 365 Campus Drive, Arcadia CA. It is about 40 min east of downtown LA. The pot luck event starts at 11 a.m. and runs through 10:00 PM. Acting chairmen Eduard David and Gel Lacson announced that elections will be held this year to fill the leadership void. Nominations and elections are usually held mid afternoon following the lunch and opening program.

Annual dues of $25.00 will be assessed at the gate per family.

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Is defalcation by fiduciary dischargeable in bankruptcy?

Defalcation is an act of misappropriating funds that were entrusted to a person. The person who is BANKRUPTCY entrusted with the funds is called the fiduciary. For instance, your friend wins $2.0 million in the lottery.

He gives you the money and asks you to manage the money for him for one year. You give him a cyanide smoothie when it’s time for you to return the money to him. The smoothie kills him. Instead of managing the money for him, you gambled the money away at Las Vegas. His relatives file a lawsuit against you to collect the $2.0 million plus damages of $500,000.

BY ATTY. You file for Chapter 7 relief because you cannot pay LAWRENCE YANG the $2.5 million they are asking for. The relatives file an adversary complaint objecting to the discharge of the $2.5 million arguing that you defalcated as a fiduciary; therefore the debt is not dischargeable. Are they correct? Well, this question is really irrelevant because you are going to jail for the rest of your life for murder. Remember the cyanide smoothie?

Section 523(a)(4) of the bankruptcy code states that debts arising from “fraud or defalcation while acting in a fiduciary capacity, embezzlement or larceny” are not Medical dischargeable.

The U.S. Supreme Court on October Uniforms 29, 2012 granted certiorari in a non-dischargeability case, Bullock v. BankChampaign. The 11th Circuit Court of Appeals held in the decision below, In re Bullock, that “defalcation” within the meaning of Section 423(a)(4) requires a showing of recklessness by the fiduciary. The question before the Supreme Court is, “What degree of misconduct by a trustee constitutes ‘defalcation’ under Section 523(a)(4) of the bankruptcy code that disqualifies the errant M-F 8:30am-5:00pm trustee’s resulting debt from a bankruptcy Sat 8:30am-1:00pm discharge-and does it include actions that result in no loss of trust property?”

The trustee in the question refers to the debtor, who was the trustee of his father’s trust. The sole asset of the trust was a life 1510 S. Los Angeles St. #A insurance policy. The trust had borrowing Los Angeles, CA 90015 restrictions which the debtor disregarded

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when he borrowed from the trust on three occasions. And even though he repaid the loans in full, the debtor’s siblings and fellow beneficiaries under the trust sued him because of his self-dealing. “What self-dealing are you talking about? My financial consultant, Mr. Bernie Madoff, has advised me that there was nothing morally and legally wrong with what I did…” the debtor said.

The state court found that the debtor did not have a malicious motive (everyone wants a new house in Malibu) but nevertheless granted the siblings summary judgment and awarded them damages based on the benefit that the debtor received due to the selfdealing. The debtor filed for Chapter 7 relief, and BankChampaign (now the trustee of the father’s trust), filed a non-dischargeability complaint. The bankruptcy court, and the 11th Circuit agreed that the judgment debt was a debt for “defalcation while acting in a fiduciary capacity” within the meaning of Section 523(a)(4). The 11th Circuit held that defalcation under Section 523(a)(4) requires more than mere negligence. Defalcation requires a known breach of a fiduciary duty, such that the conduct can be characterized as objectively reckless.

The 11th Circuit said that there are four groups on the issue: Even an innocent act by a fiduciary duty can be a defalcation. This is the position adopted in California In re Sherman 658 F.3d 1009, 2011) Defalcation requires a showing of recklessness. 11th, 5th, 6th and 7th Circuits.

Extreme recklessness must be established for a finding of defalcation. 2nd Circuit.

No position. 3rd Circuit.

How will the Supreme Court decide, will it adopt any of the foregoing or fashion its own position? If you are a fiduciary, the best course of action for you is to adopt the better part of caution and avoid any kind of self-dealing because it is very likely that any debt arising out of your defalcation in a fiduciary capacity will not be dischargeable. Investing trust money in a cockfight is defalcation in California where even an innocent act is defalcation.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

CHOI

From page 31

because they cannot adjust and they fear taking a risk of leaving the U.S. to seek a waiver abroad.

Now the risk of travel has been greatly reduced. Under the new Provisional Waiver law, persons who plan to travel abroad to

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obtain an immigrant visa can have their waivers of unlawful presence filed and approved BEFORE they travel abroad to collect their immigrant visas. This preapproval greatly cuts down the risk of being stranded abroad. As long as your petition is valid and you are not inadmissible on other grounds, (such as crimes, drugs or fraud,) you can quickly return to the U.S. To obtain approval, under the regulations, the applicant must be married to a U.S. citizen or otherwise be what is called an immediate relative of a citizen, that is a minor child of a U.S. citizen. He must prove that his spouse and/or parent will suffer extreme hardship if he is not permitted to return promptly. Hardship can be in the form of economic hardship, physical hardship, or emotional hardship or a combination of these forms. However, it must be proven that the hardship to be suffered is not just ordinary but what is termed “extreme” meaning out of the ordinary.

The burden is on the applicant to prove this hardship. We have had lots of experience in helping clients establish extreme hardship for waivers in the past and we admit that it is not easy. We highly recommend that persons do not attempt this on their own without professional help or advice.

However, if properly documented, the waiver can and will be approved paving the way for the immigrant visa to be issued at a U.S. embassy abroad.

The USCIS promises that the new law will go into effect on March 4, 2013. Waivers will be filed on a new form I-601A. This new regulation is not amnesty, but it is a generous provision that will help many persons obtain the dream of U.S. permanent residence. You do not need to wait until March, however, to apply. You can start the petition process now by having your citizen spouse file the I-130 petition for you now since this is a prerequisite to the waiver.

(Paul Choi will answer all questions regarding immigration and naturalization for FREE. Address questions to pchoi@ pchoilaw.com or call 818 714-2226. He is located at 16000 Ventura Blvd. Ste. 1201, Encino, CA. 91436. Phil Abramowitz can be reached at pabramowitz@pchoilaw.com or on his cell at 818 324-8110)

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BK rule 9011 does not prevent pursuit of claim despite winning defense There are adversary complaints that crediBANKRUPTCY tors can file and pursue against debtors who file for bankruptcy. Most of these complaints involve exempting creditor’s claim from discharge.

If creditor is successful in the complaint, either he wins at trial or in a summary judgment, creditor’s claim is

BY ATTY. not discharged. For exLAWRENCE YANG ample, debtor filed for Chapter 7 bankruptcy to discharge $100,000 of personal unsecured debt. You are a creditor of debtor because you invested $20,000 in his “pie in the sky” business. Debtor told you that the business you were buying into was a “special biochemical process that debtor invented to convert hair that is

picked up from barber shops and hair salons all over the country into usable crude oil that is better than the crude oil produced by Saudi Arabia”. You file an adversarial complaint objecting to the discharge of your investment on the ground of fraud. Debtor’s answer alleges that he did invent the protein that converts human hair into crude oil. He provides proof of the patent. The problem, he says, is that the main ingredient of the formula is cow testicles from India, and that the Indian government would not allow him to buy any cow testicles because cows, and any of their parts, are considered Holy beings in India. He provides proof of the denial of his application for a license to import Indian cow testicles.

So, debtor alleges that there is no fraud, just a failed business enterprise. “Blame it on the Indian cow testicles, or the lack of it, not me!” Now debtor says that you initiated the adversary proceeding even though you knew debtor had a winning defense, and asks sanctions against your lawyer for $100,000 for pursuing a claim despite the existence of a winning defense. Debtor relies on bankruptcy rule 9011. It states that if your lawyer signs your claim, he has certified to the court that “the claims, defenses, and other legal contentions therein are warranted by

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existing law or by a non-frivolous argument for the extension, modification, or reversal of existing law or the establishment of new law;” Now you know why you should become a doctor instead of a lawyer. Who will win?

In Re Damask, the debtors leased real property from the defendants. After the debtors filed for bankruptcy, the defendants took steps to regain possession of their property. Debtors brought an adversary proceeding against the defendants alleging that they violated the automatic stay. After the bankruptcy court granted summary judgment in favor of defendants and against debtor, the defendants asked the court to sanction debtor’s attorney pursuant to Rule 9011. They said the adversary proceeding was initiated even though the debtors knew that the defendants had a winning defense. They said that the debtors’ counsel not only knew that the facts would not support the debtors’ claim, “but was obstinate in the face of the record on discovery that established that the facts in this case would not support plaintiffs’ claim. The filing and prosecution of the adversary proceeding was itself designed to punish defendants for what plaintiffs saw as offensive behavior. Regardless of how they viewed defendants’ behavior they had no right to abuse the legal process by prosecuting a claim upon grounds that do not exist or based upon circumstances for which the law provides no remedy.”

The court denied the defendants’ request, finding nothing objectively unreasonable with the debtors’ attorney’s conduct. The purpose of Rule 9011 is to deter baseless filings. “As such, the fact that a plaintiff’s attorney is aware of a strong, and possibly winning, defense does not, as the position espoused by the defendants seems to suggest, require the imposition of sanctions under Bankruptcy Rule 9011. In this regard, the question is not whether a party wins or loses, but whether an attorney’s actions were objectively reasonable under the circumstances.” This is a good rule. Otherwise, parties will be afraid to pursue their claims just because the outcome of the case is uncertain.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

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OPINION

Socio-economic initiative needed in MILF communities

MANILA, Feb 6 (Mabuhay) – The Aquino government is set to launch on Monday a socio-economic initiative dubbed “Sajahatra Bangsamoro” aimed at uplifting the health, education and livelihood conditions of the Moro Islamic Liberation Front (MILF) communities, a Palace official said.

In line with President Benigno S. Aquino III’s instructions to provide immediate socio-economic interventions for the MILF communities, Cabinet Secretary Jose Rene Almendras said the national government will launch the “Sajahatra Bangsamoro” in partnership with the MILF leadership.

“Sajahatra Bangsamoro, an Arabic-Melayu-Bahasa derivative which means ‘Peace Bangsamoro,’ is the President’s concrete peace initiative and assistance for the MILF communities,” Almendras said at the press briefing in Malacanang on Wednesday.

Almendras noted that the program signifies the partnership between the government and the MILF in working towards peace and development of the Bangsamoro communities as well as the entire country.

The national government will take the lead in the ceremonial launch of the program to be held at the Bangsamoro Leadership and Management Institute compound in Sultan Kudarat town in Maguindanao.

Almendras said the Sajahatra Bangsamoro will focus on health, education and livelihood services that will be done through an-interagency mechanism.

“These will include provision of health insurance by the Philippine Health Insurance Corporation (PhilHealth); upgrading of communitybased health services by the Department of Health (DOH); provision of college scholarships and technical-vocational training by the Commission on Higher Education (CHED) and Technical Education and Skills Development Authority (TESDA), respectively; educational assistance to madaris (Islamic schools) and private schools by the Department of Education, needs assessment of selected Bangsamoro communities; Cash for Work Program, through the Department of Social Welfare and Development, among others,” Almendras said.

A ceremonial turnover of the services to identified beneficiaries and medical missions will highlight the program launching to be attended by the Presidential Adviser on the Peace Process Teresita Quintos Deles, MILF Chair Murad Ebrahim, Government of the Philippines peace panel led by Chair Miriam Coronel-Ferrer, MILF peace panel chair Mohagher Iqbal, representatives of the DOH. DSWD, PhilHealth, DepEd, TESDA, CHED, and Department of Agriculture.

Also invited to grace the event are Malaysian facilitator Tengku Dato Ab’ Ghafar Tengku bin Mohammed and Malaysian head of the secretariat Che Khasna.

Almendras stressed that the medical missions will be open not only to MILF-identified communities but also to neighboring communities as well. The Indigenous peoples and Christians are also encouraged to avail of the free health services.

The Office of the President, through the Office of the Cabinet Secretary, will oversee the implementation of the program. An interagency technical working group has been convened by the Office of the Cabinet Secretary to ensure the effective implementation of the program.

After the launching ceremonies, a caravan will visit selected Bangsamoro communities to provide the services for the beneficiaries.

“Sajahatra Bangsamoro will be rolled-out in partnership with the MILF leadership in the spirit of the Framework Agreement on the Bangsamoro,” he said.

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Aquino calls on all Filipinos to be discerning in choosing the next set of leaders

DIPOLOG CITY, Feb 6 (Mabuhay) – President Benigno S. Aquino III called on all Filipinos to be extra discerning when choosing the next set of leaders of the Philippines during the national and local midterm elections that will be held in May 2013.

The President made the call in his speech during the inauguration of the the Andres Bonifacio College Graduate and Professional School building here on Tuesday.

He said that by weeding out the “false” candidates from the real ones who dedicate their lives to serve the people would ensure that the Philippines and the Filipino will achieve its dream of genuine change.

“Ang tanong ngayon: Gusto ba nating magtuloytuloy ang pagbabago? Sasagutin po ito ng taumbayan sa darating na Mayo. Ang hamon ko sa ating lahat, lalo na sa ating kabataan na magmamana ng ating kinabukasan – makilahok, magbantay at makiisa sa pagtataguyod ng isang tapat at patas na

halalan,” the President said.

“Kilatisin po natin ang bawat kandidato – sino ang tunay na lingkod-bayan o nagpapanggap lamang?,” he added.

He expressed confidence that with the help of the people, especially the people of Dipolog, the gains achieved by his administration to move the country forward would continue beyond his term as President.

“Walang duda: Kinikilala na maging ng mundo ang pagbabagong tinatamasa ng ating bayan; na ibang-iba na ito kumpara sa ating dinatnan. Kompiyansa po akong sa pakikiisa ng mga Dipolognon at ng sambayanang Pilipino, magtutuloy-tuloy ang pag-usad ng bansa kahit matapos ang aking termino,” the President said.

“Sama-sama nating iangat ang bawat isa, kapitbisig nating tugunan ang problema, na maghahatid sa atin sa isang bansang tunay na payapa at masagana,” he added. (MNS)

Husband loses $9,000 to BK Trustee when bride files for Chapter 7 The advantage of a prenuptial agreement is clear when one of the spouses files for Chapter 7 bankruptcy soon after the marriage. But even in a community property state, money that belongs to each spouse is his or her exclusive property. Therefore, money belonging to the non filing spouse should not be affected by the bankruptcy of the filing spouse. For example, you have $100,000 in your bank account acquired before marriage. After you marry, your spouse, files for Chapter 7 relief to discharge $80,000 of credit card debt. Will your spouse’s bankruptcy affect your $100,000? In California, a community property state, your $100,000 is your separate property. It will not be affected by your spouse’s bankruptcy.

If you had a prenuptial agreement, it would even be clearer that the $100,000 has nothing to do with your spouse. But what happens when you put your spouse’s name on the $100,000 account as a joint account holder, then your spouse files for bankruptcy? That’s a different situation because even if the source of the funds is your savings, the fact that you put your spouse in as a joint account holder might mean that you decided to give your spouse a legal interest in the entire $100,000 as a gift. In this situation, you could lose as much as $80,000 of your money to the bankruptcy trustee even if only your spouse filed for bankruptcy, and even if the source of the money is your own savings before marriage. So, a word to the wise, if you have pre marital assets of any kind, don’t put your spouse’s name as a joint owner on any of these assets, to preserve the status of your own assets as separate property to make these assets immune from your spouse’s bankruptcy.

In Re Kuhl, the debtor and her husband were married on November 11, 2011. Four days later, the debtor’s husband added the debtor’s name to his checking account at Security National Bank; romantic, but unwise. On December 12, 2011, the debtor’s husband added the debtor’s name

BANKRUPTCY

BY ATTY. LAWRENCE YANG to his checking account at First Community Bank. On January 30, 2012, the debtor and her husband opened a savings account at Security National Bank. The debtor filed for Chapter 7 relief on March 30, 2012. At that time, the balance in the SNB checking account was $8,154, and the balance in the SNB savings account was $16,006. The trustee asked the bankruptcy court to order the debtor to turn over the value of the funds in three bank accounts. In making this demand, the trustee relied on a presumption arising under Illinois law that each owner of a joint bank account owns all of the funds in that account. Debtor argued that her husband was the sole owner of all the money in the accounts notwithstanding the joint ownership of the accounts.

The court said that the two primary factors for determining ownership of joint bank accounts are control of the account and the source of the contributions to the accounts. There was no dispute that the accounts were funded exclusively with money belonging to the debtor’s husband, and that his contribution of the money was not intended as a gift to the debtor.

In addition, there was no evidence that the debtor exercised any control over the First Community checking account and the SNB savings account. While the SNB savings account was created to pay for both spouse’s health insurance, the court said that fact alone did not support a finding that the funds in the savings account belonged to the debtor. Based on these facts, the court denied the trustee’s request for turnover of the funds from the First Community checking

account and the SNB savings account but ordered that debtor turn over to the trustee half of the money in the SNB checking account.

To avoid this kind of problem, do not put your new spouse’s name on any account you owned before marriage.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally.

Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

Feinstein, Boxer pay off Super Bowl wager WASHINGTON, Feb 7, 2013 (AFP) – U.S. Senator Dianne Feinstein may have started a cross-country food feud with lawmakers from crab-crazed Maryland on Thursday when she honored a Super Bowl bet with “real crab” from her native California.

Feinstein and fellow Democratic California Senator Barbara Boxer paid their friendly wager with a feast of Dungeness crab, Napa Valley wine, sourdough bread and some California cheeses after their San Francisco 49ers lost to the Baltimore Ravens in Sunday’s American football championship game.

“It is the vanquished coming to a meeting with the victors,” Feinstein grinned in an elegant US Capitol meeting room where she and Boxer laid out their debt to Maryland’s two US Senators Barbara Mikulski and Ben Cardin, also Democrats, who were decked out in their team’s purple-and-black colors. “This is ‘real crab,’” a cheeky Feinstein emphasized as she held up a dish of the tasty California crustacean.

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A Chapter 13 plan should correspond with disposable income of means test There is always a the plan payment that the conflict between actual trustee really wants from BANKRUPTCY expenses and expenses debtor because that is the allowed in the means amount of disposable intest. Actual expenses are come that the means test usually more than those says debtor has. Unforallowed by the means tunately, actual expenses test. As between actual of the debtor are almost and means test expenses, irrelevant in arriving at the latter prevails when the final plan payment. computing disposable In Re Grabarczyk, the

BY ATTY. income. Disposable indebtors had three chilLAWRENCE YANG come is net income midren, ages nine, seven, nus allowable deductible and four. They initially expenses using IRS standards of the means filed for Chapter 7 relief on 2010 but contest. Recently, my client’s proposed plan verted their case to Chapter 13 on March payment was $1,400 based on pay stub 16, 2011. The debtors’ plan proposed net income and actual expenses. Her gross payments of $565 monthly for 11 months, income was $12,000 a month. The prob- then $1,100 per month for 49 months. The lem was she had actual expenses which court determined that unsecured claims included college tuition and expenses for be $123,065. Their plan proposed to pay her son of $1,500. The means test only al- $30,766 to unsecured creditors, or about lows $137 monthly for education expenses 24% of their unsecured debt. The trustee of a child under 18. In addition, she owned objected to confirmation of the plan assertan S corporation which a yearly profit of ing that it did not satisfy Section 1325(b) $30,000. According to her, even though (a)(B)’s, disposable income test. Accordthe $30,000 profit is declared as part of ing to the debtors’ Form B22C, the means her gross income, she does not receive any test, they had monthly disposable income portion of it because the money is kept by of $1,037. Thus, without considering any the business for salaries. of the trustee’s challenges to the Form, These figures create a major obstacle in the debtors’ plan did not satisfy Section the Chapter 13 plan for two reasons. The 1325(b)(1)(B) because it paid less than $1,500 college expenses for her son are $62,221. In other words, the plan was not deductible under the means test and the $32,000 short of what debtor proposed. $30,000 profit results in $2,500 monthly Under the means test, debtor should be as additional pass through income for her. proposing a 48% plan, not 24%. After the Therefore, as expected, the trustee disputes court considered the trustee’s challenges, her net income and wants a lot more as plan the amount the debtors needed to pay to payment. The profit income adds $2,500 a unsecured creditors increased to $78,587! month to the plan. On this issue alone, the The debtors had taken a means test deductrustee wants $1,400 plus $2,500, or $3,900 tion of $443 for their children’s education as plan payment. If all disposable income expenses, but the court agreed with the is not proposed by debtor, a good faith is- trustee that this deduction was overstated sue arises, and the trustee will argue that by $213. In addition, the debtors added $59 the plan is proposed in bad faith. And the to the food and clothing deduction on the college expenses if not allowed as a deduc- basis they had three growing children who tion, will add another $1,400 to the plan, loved to eat a lot of meat. Thus, they had so $3,900 plus $1,400, is $5,300. That’s to bring their children to “Home Buffet”

AAJC launches Reuniting Families Campaign WASHINGTON – On Friday the Asian American Justice Center (AAJC), member of the Asian American Center for Advancing Justice, launched a campaign to highlight how critical the family-based immigration system is.

Approximately 60 percent of Asian Americans are foreign born---the highest percentage of any racial group. And in 2012 more than one-third of family visas issued went to Asian countries, illustrating how integral a robust family-based immigration system is to the community.

AAJC’s campaign will educate the public and lawmakers alike about the hardships our community – and other immigrant communities – endure because the system is outdated, arbitrary and broken. Nearly 4.3 million people are waiting around the world to be reunited with loved ones who immigrated to the U.S.; approximately 1.8 million of those trapped in the backlog are in Asia.

Congress must finally pass meaningful immigration reform and that overhaul must also protect and revamp the family-based system so that spouses, parents and children don’t have to wait sometimes decades to live together in the U.S.

After Japanese Permanent Hair Straightening System

at least 5 times a week so they could eat all they wanted to. Feeding children that weighed 300 lbs each did not come cheap.

The waiters at the buffet had to spray their children with cooking oil so they could be pushed through the entry and exit doors of the buffet. Each child was charged 3 adult prices. The court said this fact was not persuasive evidence justifying an additional expense deduction over and above the IRS standards.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

Teri Roe owner Teri Hair Salon (formerly TIJI)

14

Weekend, Sat. - Fri., February 23 - March 1, 2013

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Keeping boat, camper, trailer & tractor might be abusive in Chapter 7 If you look at a boat, a camper, a trailer and a BANKRUPTCY tractor separately and as individual items they may not be considered as badges of a luxurious lifestyle.

But if the debtor who has filed for Chapter 7 relief intends to keep all of them, even if all of them are used as collateral for loans, the trustee might argue that the debtor’s case is abusive because debtor intends to keep luxury items and to live a luxurious lifestyle, at the expense of creditors. This argument may not be as outrageous as it may sound. A debtor who continues paying for a boat, a camper, a trailer

BY ATTY. LAWRENCE YANG and a tractor could be seen in bad faith because if debtor stopped paying for all 4 assets, he could actually pay a significant amount to his unsecured creditors. If for instance, his monthly payment was $500 for the boat, $1,500 for the camper and trailer, and $1,000 for the tractor, if he stopped making these payments, he would actually $3,000 a monthly to pay unsecured creditors. On the other hand, debtor can argue that the means test allows him to deduct all monthly payments on secured debt, and all 4 assets are collateral for the purchase money loans. Since debtor qualifies for a Chapter 7 under the means test, why should the court listen to the argument of the trustee? Who is correct?

In Re Witcher, according to the means test, debtors did not have an ability to repay their unsecured debts. The trustee nevertheless asked the bankruptcy court to dismiss their case as an abuse pursuant to Section 707(b)(3), which allows the court to find abuse based on the totality of the debtor’s financial circumstances. The bankruptcy court agreed with the trustee that the debtors’ case was abusive because they intended to keep luxury items, a camper, a boat, a trailer, and a tractor, that were collateral for loans. While these secured debt payments were allowed deductions on the means test, the court found that debtors would have an ability to repay their unsecured creditors if they surrendered these items. The court concluded that “the debtors’ ability to pay, as well as their reluctance to change their lifestyle in order to provide a distribution to creditors together indicate that granting relief in this Chapter 7 case would be an abuse.”

The district court affirmed, as did the 11th Circuit. The debtors argued that their ability to pay should not be considered under the totality of the circumstances test because such a consideration would render the means test meaningless. A meaningless means test is the same as a square circle. Nobody in this world, not even our beloved President Obama, can make a square circle, perhaps a triangular circle, but a square circle? No way.

Aside from logic, debtors relied on In re Walker, where the court found that “inclusion of the income and expenses calculation in Section 704(b)(2) precludes reconsideration of income and expenses in Section 707(b)(3) pursuant to the canon of negative implications.” The canon of negative implications, you might wonder, is the same canon that dictates that Cardinal Mahoney should recluse himself from voting for the new Pope.

The 11th Circuit said this reading of Section 707(b)(3) was too narrow. “Moreover,

although the Witchers are correct that allowing each bankruptcy court to devise its own subjective means test under Section 707(b)(3) would defeat the purpose of the congressionally enacted means test in Section 707(b)(2), the same logic does not dictate that any factors that are considered under Section 707(b)(2) are by implication precluded from consideration under Section 707(b)(3). If you understood this, you are smarter than I am. I read this ten times and I am still getting a headache trying to understand what it really means. To make a long story short, the 11th Circuit agreed with the trustee that the totality of the circumstances in the case of Witcher made them look like the bad guys from head to foot.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

PHL on ‘right track’ over China challenge MANILA, Feb 20, 2013 (AFP) – The Philippines said Wednesday it was on “the right track” in seeking to have a UN tribunal strike down China’s claims to most of the South China Sea, after the Chinese government rejected the process.

President Benigno Aquino’s chief aide, Rene Almendras, said the government expected China to ignore the plan to bring the matter up at the United Nations and stressed the case could still proceed without Beijing’ approval.

“We will follow the process whether they agree to it or not,” Alemndras told reporters.

“Of course, we are of the opinion that we are on the right track... we would not have started it if we did not think that we would have enough basis to file all these issuances.”

The Philippines announced last month it had applied for its dispute with China over the South China Sea to be arbitrated under the United Nations Convention on the Law of the Sea, a 1982 treaty signed by both countries.

The Philippines wants the tribunal to declare Chinese claims to most of the sea, which is believed to sit atop vast natural resources and is home to rich fishing grounds, as unlawful.

But China says it has sovereign rights over nearly all of the South China Sea, even waters approaching the coasts of the Philippines and other Southeast Asian nations.

On Tuesday China announced it had rejected the Philippines’ call for UN arbitration, insisting on bilateral negotiations with its less powerful neighbour.

Although China has recently sent ships into the South China Sea to enforce its claims and established a local government to rule over the contested waters, it warned the Philippines not to increase tensions.

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"Broker Jun Guintu was very accommodating. I think he is very sincere in helping customers and he seems true to his promise to make car buying simple.” ANONYMOUS COMMENT (Posted on Dec. 28, 2005, CARFAX VOICE OF THE CONSUMER)

JUN GUINTU 323-547-1291

junguintu@yahoo.com

"Thanks a lot for your help and good accomodation. I found no hassle in getting a new car from L.A Motors. I compliment Jun Guintu as a man with integrity , a man who is willing to help the customer. ” PASTOR PHILIP, Los Angeles “Walang paikot-ikot na usapan...WALANG HASSLE!” BOBBY & ROSEVILLA BAYRON, Panorama City "Galing kaming mag-asawa sa isang dealership sa Norco at nabentahan ng sasak-yan pero hindi namin inaasahan nang tawagan kami para ibalik ang sasakyan. Hindi raw na-approve ng financing company dahil sa hindi sila tumatanggap ng international license. Sa LA Motors kami pumunta at walang problema. Ngayon naghuhulog na ako sa nabili kong sasakyan.” MARLON & GRACE, West Covina "Totoong totoo ang ads ni Jun...pag sinabing kaya ka nyang tulungan KAYA NIYA... Di tulad ng ibang ads - sa dyaryo lang. Pagpunta mo wala lahat.

Walang hassle at madaling kausap si Jun.” LOLOY & REGINA DALOYOC, Panorama City

WE MAKE CAR BUYING SIMPLE! Ang dealer ng Pinoy na tumutulong sa mga Tax ID pa lang ang hawak at International Drivers pa lang ang lisensya.

• BAGO SA AMERICA? • FIRST TIME BUYER? LAHAT • NO CREDIT HISTORY? • LEASE RETURNS? TRADE INS? • TAX ID NUMBER? WALANG PROBLEMA! • INTERNATIONAL DRIVER’S LICENSE?

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"Galing na kami ng asawa ko sa mga ibang dealer ng sasakyan, pero lahat kailangan nila ng Social Security No. May nabasa kaming ad sa dyaryo, sa LA Motors kay Jun Guintu, sinabi namin ang aming problema na wala kaming papel. Dala lang namin ay ang Arizona Drivers License at TAX ID NO. Diretso magsalita at madaling kausap si Jun. Sa sitwasyon naming ito - di namin akalain na magka-karoon kami ng bagong sasakyan. Sa araw din na 'yon ay dala na namin ang aming sasakyan..” CARDING, North Hills CA Dumating ako dito 3 months ago at nagtatrabaho sa isang hospital dito sa may Los Angeles. Sa hirap ng schedule ko ay talagang kailangan ko na ng sasakyan. Minsan pag punta ko sa Pilipino Store ay kumuha ako ng Balita at nakita ko ang mga ads ng mga kababayan natin na makakatu-long daw sa akin para makabili ng car. Subalit lahat ng makausap kong ahente ay iisa ang hinahanap… co signer… wala akong kamag-anak o kaibigan na makakatulong sa akin dito sa Amerika. Tinawagan ko si Kuya Jun at sinabing puntahan ko siya at matutulungan niya ako. Yung araw na iyon ay hindi nag-aksaya ng panahon si Kuya Jun at inorder ang ang bagong kotseng napili ko at ngayon ay masaya at nakakapagtrabaho na ako ng husto. Mga kasabay kong dumating dito sa LA ay pinapunta ko rin kay Kuya Jun at natulungan na rin niya… ANITA, Los Angeles Tinawagan ko si Jun at sinabi ko lang na gusto kong kumuha ng Honda Civic LX at ilang oras lang ay may sagot na sinabi niya ang interest rate at qualified daw ako sa low rate at presyo ng sasakyan at pati na ang monthly payments ko. Sinabi ring pag-isipan ko muna at kung ready na ay tumawag lang. Hindi ako makapaniwala nang magdesisyon ako at pumunta ako sa opisina niya ay ready na ang bago kong sasakyan. Kakaiba ang pagbili kong ito dahil hindi na ako dumaan sa salesman, asst. manager at sa finance manager na sobra kung magbenta ng extended warranty na hindi naman kailangan, ang isa pa hindi ako naghintay ng 6 na oras na naging experience ko sa last na pagbili ko ng car sa malaking dealership. walang pressure at sa telepono lang ang dealings namin. EUGENE & LEILA, Bellflower, CA As a first time buyer 3 years ago, I was so scared of scrupulous sales agents so I prayed for an honest one. I saw Jun's ad and took the risk. He is so easy to deal with over the phone; much easier to deal with in person. I got my first car without any hassle. I recently traded my old car. This time, I did everything over the phone. When I met Jun the second time, all documents are ready for my signature and my new car ready for pick up. Everything was exactly what he promised over the phone. —BETH CAROLINO, Los Angeles

323-547-1291 1930 W. 6TH ST., LOS ANGELES, CA 90057

8 Discharging income taxes in bankruptcy Visit www.Balita.com

The three year rule.

Many people have BANKRUPTCY When was the income the mistaken belief that tax due and has three back due income taxes years lapsed? cannot be discharged in The two year rule. bankruptcy because a When was the tax return debt owed to the Federal filed and has two years and State government lapsed? cannot be wiped out. That The 240 day rule. belief is wrong. Since Has the IRS assessed 1966, bankruptcy law the tax due and has 240 allows the discharge of

BY ATTY. LAWRENCE YANG days lapsed since the asdebt to the IRS. However, sessment? there are rules that must The fraudulent rebe followed to discharge income taxes. This is where it can be tricky. turn rule. Was the tax return fraudulent?

The willful tax evasion rule. Was there Generally speaking, there are six rules that must be complied with to discharge a willful attempt to evade or defeat the tax?

The withholding tax rule. Was there a income taxes: duty to withhold the tax?

This is a general discussion. Be warned.

Do not use this discussion to try to discharge your back due income taxes and if you fail to do so, use this article to blame me for your failure to do so. I had a potential client who owed half a million in back taxes. I told him to wait one more year before filing his Chapter 7 case. He decided to go to another lawyer who told him he could file his case immediately and did so. The IRS said that he filed his Chapter 7 case too early so the taxes were not discharged.

Let’s look at rule 6. If you owe withholding taxes, you cannot discharge them.

Before 2005, you can use a Chapter 13 discharge to get rid of withholding taxes owed. But the new bankruptcy law no longer allows this. If you owe withholding taxes and have no assets, try an offer in compromise instead. If the IRS is going after you for withholding taxes owed, you can file a Chapter 13 to pay what you owe

Weekend, Sat. - Fri., March 2-8, 2013

to the IRS for withholding taxes over five years. For example, you owe $25,000 of withholding taxes, you can pay the IRS through Chapter 13 the amount of $416 monthly for 60 months without interest to get them off your back and buy you some peace and quiet.

Let’s look at rule 1, the three year rule. This is Section 523(a)(1)(A) of the bankruptcy code that states priority tax claims under 507(a)(8) are not dischargeable for the period of their priority status.

Subsection(i) provides that income tax remains a priority claim “…for which a return, if required is last due, including extensions, after three years before the date of filing of the (bankruptcy) petition…” In plain language the question to ask is was the return due more than three years before the bankruptcy filing? Let’s say you owe taxes of $10,000 for the year 2009. When was the return due? The return was due April 15, 2010. If you requested for an extension of time, then it was not due until the extended time elapsed. So, if you file your Chapter 7 today, February 28, 2013, you will not be able to discharge the $10,000 because you did not comply

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with the three year rule. You filed your Chapter 7 too early. If you did not file for an extension in 2010, then you should file your Chapter 7 case after April 15, 2013 when three years from April 15, 2010 has lapsed to comply with the three year rule.

Another problem with the rule is that some things can “toll” or delay the counting of the three years. For instance, if the IRS could not collect the tax from you because you filed a Chapter 13 in a prior bankruptcy, the period of time you were in Chapter 13 is deducted from the three year computation. However, an offer in compromise does not “toll” the computation of time.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

Minor crime or fraud can often get you denied or deported the inherent nature of the (Paul Choi is an imCHOIce crime as defined, rather migration attorney and IMMIGRATION CORNER than the circumstances professor of law located surrounding the particuat 5900 Sepulveda Blvd. lar arrest or conviction.

Ste. 303, Sherman Oaks, The law that is violated CA. 91411. Atty Choi is looked at to determine will answer all questions whether the crime is regarding immigration inherently a CMT. and naturalization for The Immigration and free. Address questions to Nationality Act states pchoi@pchoilaw.com or

BY ATTY. that one conviction for a telephone 818 714-2226.

PAUL CHOI CMT will not ordinarily Atty Choi is pleased to affect an application for announce that his adminentry into this country or an application istrator is Philip Abramowitz .)

Question: I married a U.S. citizen in for permanent residence provided that the 2009 and I applied for my greencard in crime is only a misdemeanor and the sen2010. On the application I revealed that tence imposed is six months or less.. This I was convicted of shoplifting two times means that ordinarily one misdemeanor when I was younger but it was only a conviction for a CMT will not render an apmisdemeanor and I paid a small fine and plicant ineligible for permanent residence.

The trouble arises when the applicant got probation. At the interview, the USCIS officer asked me about the convictions has two minor crimes of moral turpitude. and said that because of them I may be The law states that persons with two denied my greencard. I was very surprised CMT’s, regardless how long ago they because the convictions took place several took place, are ineligible to adjust status years ago and I thought that it would not to permanent resident or to immigrate or make much of a difference because I never enter this country..

Particular types of Crimes of Moral went to jail and the crimes were only misTurpitude demeanors.

The following is a list of crimes that After six months the USCIS denied my application for permanent residence. I may involve moral turpitude for purposes could not renew my work permit anymore. of immigration.

(1) Bad check charge; After a few weeks I received a Notice to (2) Blackmail; Appear informing me that I have to show (3) Forgery up for a deportation hearing before a judge.

(4) Burglary and unlawful entry with I appeared in court alone and the judge gave me time to get an attorney. What intent to commit larceny (5) Statutory rape, should I do? Will I be deported for minor (8) Obtaining money by means of a crimes that happened years ago. I am working now and paying taxes and I have fraudulent scheme involving cheating or swindling; a family. Does this count?

(9) Theft or larceny in any form, Answer: You are one of thousands of persons who have immigration problems including petty theft such as shoplifting.

(9) Cheating on income tax because of convictions for what is called (10) Spousal abuse or spousal battery “crimes of moral turpitude”. A crime of (11) Willfully lying on an immigration moral turpitude of “CMT” is a crime that involves an act of baseness, vileness, or form or passport application.

(12) Selling counterfeit goods depravity in the private and social duties This list is not exhaustive but gives you owing to one’s fellow man or society in general, contrary to accepted and custom- an idea that if you have a conviction or two, ary rules. In other words a CMT is a crime it may affect your eligibility for permanent that is morally wrong and involves an evil residence.

What are the solutions if you have or fraudulent intent. This includes crimes of fraud, such as theft, writing bad checks, convictions for moral turpitude crimes? visa fraud and others. Whether a crime Thankfully, the Immigration and Nationaliinvolves moral turpitude is determined by ty Act proSee CHOI, page 12

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New provisional waiver law now in effect; Spouses of citizens with entry as crewmen can now apply for imm. visa waivers (Paul Choi is an immigration attorney and professor of law located at 16000 Ventura Blvd. Ste 1201, Encino, CA. 91436. Atty Choi will answer all questions regarding immigration and naturalization for free. Address questions to pchoi@ pchoilaw.com or telephone 818 714-2226.

Atty Choi is pleased to announce that his administrator is Philip Abramowitz .)

Question: I have read in your column before that the USCIS passed a law recently to permit persons who jumped ship as a crewman to apply for waivers of forgiveness in the U.S. before they leave the country. I understand that these waivers are necessary in order to obtain permanent residence for persons who entered unlawfully. When will this law really go into effect?

Answer: The time to apply for the new waiver is now. After over eight months of deliberation and consideration, the USCIS announced on the first business day of 2013, that it published a final rule instituting what it calls the “Provisional Waiver” law. This law is very exciting and long awaited because it will help hundreds of thousands of persons who otherwise would not be able to safely obtain permanent residence.

The problem begins with what is known as the ten year bar. This law states that persons who overstay their permitted period of stay or persons who enter as crewmen, in transit or illegally without a visa accrue un-

lawful presence. Once a are virtually stranded in CHOIce persons has accrued one the U.S. because they IMMIGRATION CORNER cannot adjust and they year or more of unlawful presence in the U.S. , any fear taking a risk of leavtrips outside this country ing the U.S. to seek a waiver abroad. will prohibit the person Now the risk of travel from returning for ten has been greatly reduced. years-unless that person Under the new Provisionobtains permission to al Waiver law, persons return sooner. The apwho plan to travel abroad plication to obtain perto obtain an immigrant mission to return to the

BY ATTY. PAUL CHOI visa can have their waivU.S. is called a waiver ers of unlawful presence form. Up until now the filed and approved BEproblem has been that waivers could only be sought outside the FORE they travel abroad to collect their U.S. at the U.S. Embassy in the applicant’s immigrant visas. This greatly cuts down home country. This was very risky as if the risk of being stranded abroad by getthe waiver was denied, the applicant was ting preapproval. After preapproval of barred from returning to the U.S. for ten the waiver, the trip abroad to collect the years. For this reason, very few persons immigrant visa is fast and easy. Persons risked leaving the U.S. to seek an immi- can literally be back to the States in just a matter of days. grant visa.

Under the new regulations, persons Under present law, the only persons who can adjust status in the U.S. are those who file the new waiver form with the USCIS entered lawfully, maintained lawful status in the U.S. and obtain the approval before at all times, or those who entered lawfully departing the country. To obtain approval, overstayed and were petitioned by U.S. under the regulations, the applicant must citizen spouses, adult children or were pe- be married to a U.S. citizen or otherwise titioned as minor children of U.S. citizens. be what is called an immediate relative of Persons who entered illegally, entered as a citizen, that is a parent of a citizen or a crewmen, jumped ship, or entered legally minor child. He must prove that his spouse but cannot prove it, could not adjust status and/or parent will suffer extreme hardship in the U.S. There are literally hundreds of if he is not permitted to return promptly. thousands of persons in this situation who Hardship can be in the form of economic

hardship, physical hardship, or emotional hardship or a combination of these forms.

However, it must be proven that the hardship to be suffered is not just ordinary but what is termed “extreme” meaning out of the ordinary.

The burden is on the applicant to prove this hardship. We have had lots of experience in helping clients establish extreme hardship for waivers in the past and we admit that it is not easy. However, if properly documented, the waiver can and will be approved paving the way for the immigrant visa to be issued at a U.S. embassy abroad.

There is a restriction on the new law. It only covers persons who do not have any other grounds for refusal of their visas such as commission of fraud, a prior deportation order or a serious criminal conviction.

These persons do not qualify for the new provisional waiver as applicants must be what is called “otherwise admissible. to the U.S.” This new regulation is not amnesty, but it is a generous provision that will help many persons obtain the dream of U.S. permanent residence.

(Paul Choi will answer all questions regarding immigration and naturalization for FREE. Address questions to pchoi@ pchoilaw.com or call 818 714-2226. He is located at 16000 Ventura Blvd. Ste. 1201, Encino, CA. 91436. Phil Abramowitz can be reached at pabramowitz@pchoilaw.com or on his cell at 818 324-8110)

Discharging income taxes in bankruptcy: Part 2 Last week, we established the fact that back due income taxes can be discharged in bankruptcy, despite the popular belief that this was not possible. We said that there are six rules that must be complied with to discharge taxes.

All of these rules must be followed. If you comply only with five rules, the back taxes are not discharged. The six rules are: the three year rule which requires that three years have passed since the tax return was due, the two year rule which requires that two years have passed since the tax return was filed, the 240-day rule which requires that 240 days have passed since the taxes were assessed, the fraudulent return rule which requires that the return did not involve any fraud, the willful evasion rule which requires that there was no willful attempt to evade or defeat the tax, and finally the withholding tax rule which requires that the tax did not arise from a duty to withhold.

It used to be that discharging income taxes in Chapter 13 was different from Chapter 7. Chapter 13 used to have a “super discharge” which allowed the discharge of withholding taxes and income taxes despite the total failure to file a return, filing a

Pechanga. fraudulent return or willBANKRUPTCY That way he would ful attempts to evade or not be subject to Feddefeat the tax. However, eral tax as long as he the new bankruptcy code moved into the confines which took effect in 2005 of the reservation and he has made the discharge would receive hundreds of taxes identical under of thousands of dollars either Chapter 7 or 13. of dividends yearly until There is no longer a “suhe died as his share of per discharge” of back the casino profits. But he due income taxes under

BY ATTY. LAWRENCE YANG declined my offer saying Chapter 13. For example, “I can’t live in no teepee if you are one of those who believe that the Federal government for the rest of my life!”

The 240-day rule states that income does not have the power to tax so that you willfully evade income taxes, you will not taxes are a priority claim for a period of be able to discharge your back due income 240 days after taxes are assessed. A notice taxes in bankruptcy because you cannot of deficiency is not an assessment. So, if comply with the willful evasion rule. the IRS sends you a notice saying that you Wesley Snipes found out about this rule owe them $10,000 which they call a notice the hard way. He owed $12 million in back of deficiency; that is not an assessment. taxes because he failed to file tax returns The bankruptcy code does not define for several years believing that the Federal the word “assess”. This is because the IRS government did not have the authority to and as well as all the states have different tax him. methods of assessing taxes.

He was convicted of willful tax evasion.

The federal income tax cases which I tried to help Mr. Snipes by selling him a have interpreted the word refer to Section birth certificate which would show him as 6203 of the Internal Revenue Code: “asa member of the Native American tribe in sessment shall be made by recording the

liability of the taxpayer in the office of the Secretary in accordance with rules or regulations prescribed by the secretary.”

The regulations provide that assessment is made “by an assessment officer signing the summary record of assessment.” So, the decision of a tax court is not the date of assessment.

The IRS has a three-year statute of limitation within which to assess after a return is filed. But the IRS cannot begin the collection process until after it has assessed. Just to be sure, get a copy of the record of assessment from the IRS. You can use Form 4506-T then request for both the return and the “account transcript” to obtain the record of assessment.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

U.S. economic recovery leaving Europe, Japan behind WASHINGTON, March 8, 2013 (AFP) – A sharp fall in the unemployment rate Friday and a fresh all-time record for stocks show the US economy pulling away from its peers, gaining ground while Europe and Japan remain stagnant.

The Federal Reserve’s easy-money policy and the government’s modest stimulus spending appear to be paying off, distancing the country from the depths of recession while harsh austerity programs appear to be holding Europe back.

But the United States still faces headwinds, especially of its own

making, after opposition Republicans forced the White House to swallow deep spending cuts that could take the wind out of growth.

And the unbudging level of longterm unemployment seen in the labor data is one of a number of frailties that still dog the country – explaining why the Federal Reserve is not ready to reel in its loose monetary policy.

The February jobs data released Friday was encouraging especially because it came after the government boosted taxes at the end of 2012 and just ahead of the “sequester” cuts that slashed government spending sharply

from March 1.

The unemployment rate fell to 7.7 percent from 7.9 percent a month earlier, on the back of a net 236,000 jobs added during the month.

Joblessness was the lowest since December 2008, when layoffs were soaring and would ultimately push the rate to 10.0 percent in October 2009.

In comparison, unemployment in the eurozone continued to mount, hitting a record 11.9 percent in January.

“The data add to evidence that momentum in the (US) labor market has strengthened further,” said Jim O’Sullivan, chief US economist at

High Frequency Economics.

All the jobs created were in the private sector and were strong in construction, an industry crucial to firming up the recovery from the deep 20082009 recession.

The data accented the record run this week of US stock markets.

On Tuesday the Dow Jones Industrial Average smashed its all-time high of 14,164 – set in October 2007 – having more than doubled in exactly four years from the post-crash bottom.

The index continued to mount throughout the week to top 14,400 during trade Friday, before pulling back.

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‘English Only’ policy may be workplace discrimination Filipino nurses at the Delano Regional Medical PROTECTING Center in Delano, California were gathered and told EMPLOYEE & they were not allowed to use their native language CONSUMER RIGHTS at “any time in the hospital.” Surveillance cameras would be installed in nursing stations. Violators may be suspended or terminated.

Although the hospital employed several bilingual employees speaking Spanish, Hindi, Bengali and other languages, managers targeted only the Filipinos. Supervisors and other staff were encouraged to “act as vigilantes,” to watch and report on the Filipino nurses. The speak-English-only policy created such a hostile work environment that one worker

BY C. JOE SAYAS, JR. even sprayed air freshener on a Filipino employee’s lunch to register her “hatred for Filipino food.”

The employer did not change the policy despite signed petitions from 100 nurses.

In 2010, sixty-nine Filipino nurses sued the hospital, alleging that its language policy violated the Civil Rights Act. On September 17, 2012, the Equal Employment Opportunities Commission and the Asian Pacific American Legal Center, who represented the nurses, announced that the employer agreed to pay $975,000 to the 69 nurses in perhaps the largest settlement relating to language restriction in US healthcare industry. The hospital was also ordered to conduct anti-discrimination training and hire a monitor to

Your debts and the wisdom of King Solomon BANKRUPTCY Last week we talked about King David and his lust for Bathsheba. As punishment for King David’s sins of coveting Bathsheba who was Uriah’s wife and murdering Uriah so he could marry her even though he already had 6 wives and numerous concubines, the first born son of David and Bathsheba died several days after birth. But their second son, Solomon succeeded David as King of Israel and Judah.

BY ATTY. LAWRENCE YANG King Solomon had a dream. He dreamt that God, Yahweh, the God of Moses and Israel, my God whose only Son, Jesus, became man through the Blessed Virgin Mary, and willingly died on the cross to redeem mankind from the consequences of sin, asked him what he wanted.

Solomon asked for wisdom so that he would be a fair and just to his people. God was pleased with what Solomon asked for because most people would ask for longevity and wealth.

God was so pleased with Solomon that not only did He give him wisdom. He also gave him longevity and great wealth. However, God’s condition was that he would continue to have wisdom, longevity and great wealth as long as Solomon walked with God and followed His commandments.

Two women who lived in the same house had given birth. One of the babies died at night. The mother of the dead baby switched her baby for the live one. In the morning, she claimed the live one as her own. Both women brought their dispute to King Solomon. Solomon asked for a sword and told the women he was going to cut the baby in half and give each woman half.

The fake mother agreed. The real mother disagreed and told the King the other woman could keep the baby. King Solomon gave the baby to the real mother. Wisdom leads to the truth and the truth is that the woman who was willing to give up the baby so the baby may live, instead of being cut in half, is the real mother.

How many wives did King Solomon have? He had seven hundred wives! And how many concubines did he have? He had three hundred concubines! So, not only was he wise, he was also insatiable. All his wives were foreign princesses who brought their idols with them.

Some of his wives were able to convince Solomon to make temples for their idols which he also worshipped! Thus, Solomon eventually betrayed God when he turned to the idols of his numerous wives.

When this happened, God became displeased with Solomon so all of his 700 wives started to nag him about every little thing. “Why are you late for dinner tonight, Shlomo?” he was asked this question 700 times a night, and he had to respond 700 times a night, making him miserable for the rest of his shortened life.

Don’t forget God said that he would continue to be wise and live long if he kept the commandments of God. By turning to his wives’ idols he broke the 1st commandment: “I am the Lord, your God, and you will have no other gods before me!” Was Solomon also committing adultery? No, because all the 700 women were his wives, he was married to them. You cannot commit adultery with your own wife! That’s how wise he was.

How about fornicating with his 300 concubines? He owned his concubines as property.

It is legally impossible to fornicate with property, that’s how wise he was.

Now let’s pretend that King Solomon did not break the first commandment. He might still be living today as the King of the world because of God’s promise to him of longevity.

If you are having problems with too much debt today, you might go to him and ask him if you should seek bankruptcy relief. Solomon is not around anymore, but our God is. So, just to pray to Him and ask Him for wisdom like King Solomon but don’t ask Him for 700 wives. That’s not a wise idea nowadays.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

track workplace conduct.

An English-only policy may be allowed if implemented for non-discriminatory reasons. For example, an employer can justify its policy out of necessity to operate the business safely or efficiently. The following business situations may justify an Englishonly rule: For communications with customers, coworkers, or supervisors who only speak English In emergencies or other situations in which workers must speak a common language to promote safety For cooperative work assignments in which the English-only rule is needed to promote efficiency To enable a supervisor who only speaks English to monitor the performance of an employee whose job duties require communication with coworkers or customers A rule that restricts employees to speak only English on the job is unlawful if it were adopted with the intent to discriminate on the basis of national origin. Discrimination may be evident if the employer prohibits only one or some, but not all the foreign languages spoken at work.

In California, employers may not enforce a policy that prohibits the use of any language unless: 1) The language restriction is justified by business necessity; 2) Employees are notified of the circumstances and time when restriction is required and the consequences of violation.

[C. Joe Sayas, Jr., Esq., a trial attorney, has obtained several million dollar recoveries for his clients against insurance companies and employers. He has been selected as a Super Lawyer by the Los Angeles Magazine, featured in the cover of Los Angeles Daily Journal’s Verdicts and Settlements, and is a member of the Million Dollar-Advocates Forum. He is a graduate of Georgetown University Law Center Washington, D.C. and the University of the Philippines. Visit his website at www.joesayaslaw.com or contact his office at (818) 291-0088 for a no-cost inquiry.]

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Damage intentionally caused to foreclosed house not dischargeable Section 523(a)(6) that Chase Bank will win BANKRUPTCY of the bankruptcy code because the facts say that states that debtor is not debtor got so angry he able to discharge “for was going to lose the car willful and malicious so he drove it over the injury by the debtor to cliff. Therefore, debtor another entity or to the willfully and maliciously property of another endamaged the car. He will tity.” For example, debtor not be able to discharge is no longer able to pay the $25,000. for his car loan. He gets But what will hapBY ATTY. LAWRENCE YANG so angry that he is going pen if this same debtor to lose his car that he removes the floors, windrives the car over a cliff. dows, lights, appliances, Insurance will not pay the value of the car air-conditioner from his house because his to the creditor because damage was not house was going to be foreclosed by Chase caused by an accident. Debtor then files Bank, and claims that he was actually for Chapter 7 bankruptcy relief. He lists remodeling his house before foreclosure? the creditor of the car, Chase Bank, as Chase alleges that the total damage to an unsecured creditor for $25,000. Chase the house was $50,000 because of what files an adversary case objecting to the dis- debtor did. charge of the $25,000 arguing that debtor In Re Egizii, Illinois National Bank held willfully and maliciously caused damage a mortgage on the debtor’s home. The debtto the car by driving it over a cliff. Debtor or filed for Chapter 7 after plaintiff initiargues that the brakes were not working ated foreclosure proceedings. After getting and he was lucky to get out of the car just stay relief, plaintiff obtained a foreclosure before it went over the cliff. Who will the judgment. Prior to the sheriff’s sale of the court believe? In this example, it’s obvious property, the plaintiff got a restraining

order against the debtor and her husband to stop them from removing, damaging, or disposing of any of the improvements or fixtures at the property. After acquiring the property at the sheriff’s sale, the plaintiff filed an adversary case against the debtor in his bankruptcy asserting that it suffered $40,000 in damages caused by the debtor’s willful and malicious conduct. The undisputed testimony established that the debtor and her husband removed numerous items from the residence including kitchen appliances, hardwood flooring, staircase railings, and the fence in the backyard, various electrical fixtures and the mailbox. Apparently, debtors were no longer expecting mail at their home and needed the mailbox attached to the hood of their car, their new residence.

A person, Mr. Judas Escariot, who visited the debtor to give an estimate of moving costs, testified that he saw the debtor’s husband removing the flooring.

Judas said the debtor’s husband told him that the house was in foreclosure and he planned to leave nothing but a shell. Mrs. Egizii said “I told you not to trust anyone named Judas Escariot. I told you to keep your mouth shut!”

The debtor testified “But your honor, we were just remodeling the house, how can you remodel a house if you don’t re-

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move the floors and other fixtures from it?

Haven’t you ever seen the show “extreme makeover” of houses on cable T.V.?” The judge did not believe that the couple would engage in extensive remodeling of a house that they were about to lose and found that the debtor’s conduct was willful and malicious. The court also found that the debtor was liable for her husband’s actions. “The fact that the debtor may not have participated in the physical removal of part or all of the property makes no difference in this case, however. As already explained, there is no question that the debtor subjectively intended to cause injury to INB’s interest in the residence. The debtor admitted to being involved in removing property from the residence and directing what she unconvincingly characterized as a remodeling project,” the court said.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

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Creditor’s refusal to foreclose is not violation of discharge Debtor walks away from his residence because it is under water the lien balance is satisfied in the amount of $186,324.15. However, BANKRUPTCY with no equity whatsoever then files for Chapter 7 relief. The house is we could consider a settlement option or a short sale.” The letter also worth $300,000 but the mortgage owed is $400,000. Debtor obtains explained that the debtors’ account had been charged off; that they had a discharge of all his debts including the mortgage. Six months postno personal obligation to pay the lien balance, and that its letter was discharge, debtor receives a real estate tax bill for $4,000 due April not an attempt to collect from them personally. The debtors replied by 15, 2013. The Los Angeles Treasurer’s bill states that the property is warning that an adversary complaint would be filed if the lender failed to still owned by debtor. The bank has not foreclosed on the property; either foreclose or release its lien. Beneficial did not change its position. therefore, debtor still owns the property. Who is liable for the tax bill of Debtors filed the adversary complaint against Beneficial arguing that $4,000? Answer: debtor is liable on the tax bill because he still owns the creditor’s failure to foreclose or surrender its lien violated the discharge injunction by attempting to coerce payment of the discharged debt. property. The discharge order wipes out all real estate taxes due before The court said that “pay in full” was not the only option offered to the bankruptcy case was filed. It does not discharge real estate taxes

BY ATTY. LAWRENCE YANG the debtors. Beneficial said it was willing to release its lien through which come due after the bankruptcy was filed. Property owners are either a settlement offer or a short sale. Thus, Beneficial did not intend liable for the taxes on the property even if the mortgage is discharged to collect more than the collateral was worth. Moreover, the court said and as long as they own the property! What is the bank doing by not foreclosing on the property despite discharge of the mortgage? It is avoiding liability not only did the house have value, its value could increase. From the foregoing, we can see that the court is leaning towards Beneficial’s position. “Debtors invoke the ‘fresh for real estate taxes on the property.

But can debtor force creditor to foreclose by arguing that creditor’s refusal to foreclose start’ to indirectly validate the decision to abandon their residence. They do so without providing any evidence showing that the residence posed an undue burden upon them is a violation of the discharge order?

In Re Canning v. Beneficial Maine Inc., the Chapter 7 debtors’ home was worth after their bankruptcy discharge. The debtors also fail to advance any legal authority, $130,000 subject to a mortgage held by Beneficial Maine Inc. for $186,521. Debtor’s and we are not aware of any, to support the proposition that a homeowner may walk statement of intention in his bankruptcy petition said that they will abandon their home. away, with no strings attached, from their legally owned residence. But even worse, After they received a discharge in June 2009, Beneficial informed debtors that it would in vacating their residence, the debtors placed many of the burdens of dealing with an “not initiate and/or complete foreclosure proceedings on their home. You will retain abandoned property on their neighbors (the judge being one of them), their town, and ownership of the property” and “we will no longer advance any payments for taxes their city – in other words, on everyone but them,” the court said.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law and insurances. You will be solely responsible for the payment of taxes, insurance, and maintenance of this property.” Debtors responded by reminding Beneficial that they had practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled received a discharge, and demanding that the lender either “(a) immediately commence more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284foreclosure proceedings or (2) immediately discharge the mortgage on the property.”

Beneficial replied that it was “unable to honor your request to release the lien until 1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

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Can IRS disregard compromise settlement because of bankruptcy?

The situation we envi“discriminating” against sion in this discussion is a person who filed for BANKRUPTCY where you have an offer bankruptcy. For instance, in compromise which has the government cannot been accepted by the IRS terminate you from emthen you file for bankployment or deny you ruptcy relief. Do you owe renewal of a license, the original amount prior or refuse to issue you to the OIC or do you owe a license just because the compromised amount you filed for bankruptcy. accepted by the IRS? For Private employers canBY ATTY. example, you owe the not terminate you just LAWRENCE YANG IRS $20,000 for back because you filed for income taxes for the tax bankruptcy. year 2012 because you got lucky at PAI While debtors complained of discrimiGOW at Pechanga and won $100,000. nation, the IRS believed that its actions Last month, you were able to sell the IRS were allowed by the very terms of the your sob story that you lost everything you OIC submitted by debtors. The official won, lost your job, have no assets , have OIC form says the original amount of the moved from your house which you lost debtors’ tax liability would remain the IRS to foreclosure into your 2012 E350-Benz, records until all terms and conditions of the and lost all your teeth due to malnutrition OIC were met. because you have no money for food.

The form states that if the debtors filed Based on this rendition of your down and for bankruptcy before they fully met all out life story, the IRS accepted your OIC the terms of the OIC, “any claim the IRS of $1,000 as a compromise settlement of files in the bankruptcy proceedings will the $20,000 of back taxes. After a month, be a tax claim.” The IRS argued that this you have a change of fortune for the bet- provision allowed it to file a proof of claim ter. You get promoted to a high ranking for the original amount of its claim for the position at Kaiser, chief scientist, so you debtors’ unpaid taxes, including penalties now make $200,000 a year. You decide to and interest. The IRS believed that the term file for Chapter 13 relief and list the IRS “tax claim” means the full amount prior to as being owed $1,000, the compromised any compromise being reached. Sure. amount. But the IRS files a proof of claim The Judge, who also owed the IRS a that you owe $20,000 claiming that they significant amount, found that it could have disregarded your OIC because of your just as easily mean the amount of the good fortune. Who is correct? compromised claim. “Here, if the court In Re Mead, the debtors submitted an was to credit the Internal Revenue SerOIC for their 1998 through 2009 federal vice’s interpretation of the condition, the income tax liabilities. They offered to pay contract would run afoul of federal law. If $4,000 in four installments of $1,000 each tax claim meant pre-compromise amount over a period of 13 months. The IRS ac- then the condition that allowed the Internal cepted the OIC and the debtors made one Revenue Service to disregard the compayment prior to filing for Chapter 13 promise and attempt to collect the entire bankruptcy. In the bankruptcy, the IRS filed amount simply because a taxpayer was a proof of claim for more than $104,000 now a debtor in bankruptcy is a violation owed in taxes and penalties for the years of Section 525…”

1998 through 2009. The debtors objected Lawrence Bautista Yang is a graduate that the claim should be limited to the of Georgetown University Law Center and $3,000 still owed on the compromise. They has been in law practice for thirty years. asserted that they were not in default on the He specializes in bankruptcy, business and compromise, and argued that allowing the civil litigation and has handled more than IRS to disregard the compromise solely on five thousand successful bankruptcy cases the grounds that they had filed for bank- in California. ruptcy would violate anti-discrimination He speaks Tagalog and looks forward to language of Section 525(a). This section of discussing your case with you personally. the bankruptcy code is called “Protection Please call Angie, Barbara or Jess at (626) against discriminatory treatment” due to 284-1142 for an appointment at 1000 S bankruptcy filing. It prohibits the govern- Fremont Ave Bldg A-1 Suite 1125 Unit 58 ment as well as private employers from Alhambra, CA 91803.

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Lawmakers who opposed the release of the proposal, known as Tier 3, said it would raise costs for consumers in an already struggling US economy.

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Balita

Easter: The day Jesus resurrected from the dead to prove that he is the son of God Last Sunday was Easter Sunday Eve. He agreed to suffer, die and RESURBANKRUPTCY celebrated by Christians all over the RECT from death, to prove to man that world as the greatest event in human He is the Son of God, and that God exists. history. This is the day when Jesus What wonderful news! Indeed, Easter is Christ, who died three days before on the greatest event in human history! No the cross on Mt. Calvary, to atone for event in human history can compare to the the sins of mankind, past present and RESURRECTION OF JESUS CHRIST! future, resurrected back to life by His Scientists are using their craft to explain own divine power; absolute proof that away the existence of the divine when the truth is so large and right in front of them.

He was human and divine. Witnesses Atheists will post you this question: If God to His death and resurrection, the

BY ATTY. LAWRENCE YANG can make anything; can God make a stone apostles, attest to what they saw for so large and so heavy that He cannot lift it? all humanity to hear in the Bible. They Not to mock the other religions but which testify as well in the Bible that they were with Jesus when He raised from the dead Lazarus other religion can claim that their god came to the world became flesh, died and resurrected Himself? and the son of the widow of Nain.

You can go to Lourdes in France where the Mother Even in a court of law, their testimony is admissible evidence to prove the truth of the fact they proclaim be- of Jesus, our Blessed Mother Mary, cures terminally ill cause their testimony is based on their own experience on people of fatal sicknesses and made them whole. All certiwhat they saw and experienced themselves. Thus, their fied true cures by the miraculous powers of the Blessed testimony is not hearsay evidence. It is direct testimony Virgin Mary by a board of physicians. The body of St. and proof of the existence of God who lived among us to Bernadette still lies uncorrupted in Nevers, France, more than a hundred years after her physical death. I have seen prove to us that there is only one true God. So what else in human history can compare to her body myself with my own eyes. It looks like she is the fact that God sent His only son to our world 2013 just asleep. Can science explain why her body has not years ago to tell mankind the truth as to who the real decomposed after all this time? I don’t think so.

But the way of God is through humility. Jesus was born God is. His only Son, Jesus, agreed to become human to die on the cross to make whole the relationship between in a manger. That is why the Jewish people cannot believe God and man destroyed by the original sin of Adam and that Jesus is the Son of God. They believe the Son of God

BANDER FROM PAGE 1

the case – where Bander tried to exclude this reporter from covering the conference, which was marked “Public Matter.”

Weekend Balita was supposed to cover Bander’s five-day trial after Judge Honn approved our request to be present in the courtroom. It was Judge Honn who earlier instructed both Bander and the State Bar to settle the case, calling it “costly.” We tried to reach the State Bar on Friday and left

messages with Viselman, who has yet to return our calls as of this writing.

Bander served a three month suspension last year after multiple cases were filed against him by the State Bar in 2011. He was also placed on a three-year probation after pleading no contest to the charges.

Meanwhile, a review of Bander’s disciplinary record showed that it was also Judge Platel who was assigned to the first case of Bander.

The same record indicated that Bander also tried to “Modify Terms of (his) Pro-

should be born with Angels trumpeting His birth for all to see and that He should be born in the grandest of palaces!

Even when He has proven that He is the Son of God by his death and RESSURECTION, they cannot believe He is the Son of God because He was born poor in a manger.

To this day, they wait for His arrival.

They doubt despite the fact that God delivered them from bondage in Egypt by a series of major miracles, including the parting of the red sea to allow them to escape safely from the pursuing Egyptians! But they remain the chosen people of God because Jesus is descended from the line of King David.

For those of us who have been blessed by faith, we rejoice in the good tidings of the gospel. Our celebration culminates on the day of Easter when the Son of our God Resurrected three days after He died on the cross for our sins. I profess my belief that Jesus is the Son of our God most High and extend His invitation for you to hear the TRUTH so that you may have eternal life with Him in paradise.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

bation” and that he also filed a motion to extend the provisions regarding restitution, both of which were denied by Judge Platel last January 24. Court records showed that the first complaint against Bander racked up more than $20,000 in fees that Bander will have to pay.

Apart from the suspension, Bander must pass a professional responsibility test. The State Bar also stated that Bander’s “misconduct evidences multiple acts of wrongdoing or demonstrates a pattern of misconduct as there were 20 client matters involved.”

When the settlement was reached in the first complaint and approved by Judge Platel, it took another six months before Bander served his actual suspension that took effect last June and ended in September.

In the second State Bar complaint, Bander is also facing 20 cases. Just like most of the complainants in the first one, the new cases were all about homeowners who signed up for the so-called “Save Your Home, Sue the Banks” loan litigation program, where Bander promised to sue their lenders and force the latter to reduce their mortgage payments or modify their loans.

A few attorneys who have dealt with Bander in the past and who thought that Bander’s three-month suspension was a “slap on the wrist” were not surprised to learn that the same attorney, who is described as a “public figure” on three different Facebook pages, was again charged by the State Bar. According to San Francisco-based State Bar defense lawyer Jerome Fishkin, “some

attorneys, because of the severity of the offense or the little likelihood of success, will choose to resign rather than face State Bar prosecution. Others will lose a contested case and will be disbarred,” as posted in his website www.fishskinlaw.com.”

As to give a semblance of how attorneys as defendants are treated in a State Bar, Fishkin described that “The State Bar is an adversary system” and that the “people do not become State Bar investigators and prosecutors (like Viselman) because they want to help attorneys. The prosecutorial mentality in general is to find fault and fix blame.” Fishkin also warned that “in recent years, State Bar prosecutors (have) become seemingly petty and mean-spirited.”

Although Fishskin recommends that lawyers get a State Bar defense counsel, Bander has so far represented himself.

Bander, who did not have any disciplinary record prior to last year’s suspension, seemed determined to face trial unlike the last time where he agreed on the suspension that is permanently displayed under his name in the roster of attorneys.

Our sources, who are supposed to appear at the trial, indicated that although the terms of the settlement in the second case are “still unknown…it likely will result in a lengthy suspension.” However, the same sources have yet to know the details of the settlement and if Bander will only serve a suspension without disbarment.

Viselman had told the court that he is supposed to call 35 witnesses against Bander, including former clients and lawyers of the Bander Law Firm.

Jinggoy hurt JV snubbed daughter MANILA, Apr 4 (Mabuhay) – Senator Jinggoy Estrada admitted he was hurt after his half-brother, San Juan congressman and senatorial bet Joseph Victor “JV” Ejercito, allegedly snubbed his daughter Janella.

“Siyempre bilang isang ama, masakit sa akin. Iniisip ko na lang baka marami siyang problema noong araw na ‘yon at hindi napansin ang bata. Ang sa akin lang, huwag idamay ang anak ko kung ano man ang namamagitan sa amin,” Jinggoy said.

Jinggoy was responding to a question about a video taken by ABS-CBN during the proclamation rally of former actress Guia Gomez, the mother of Ejercito who is running for mayor in the city of San Juan, last Tuesday.

The video shows Ejercito arriving on stage to greet and shake hands with the local candidates of United Nationalist Alliance (UNA), and stopping to kiss his mother. But JV walked past his niece, Janella, who is running for councilor under Gomez’s ticket.

Sought for comment, Ejercito said: “Hindi naman totoo ‘yun. Yinakap ko pa nga eh. Baka lang wala kayo nun. Yinakap ko pa nga nung hinihingal siya, ako pa ang nag-encourage. It’s not true.” (MNS)

Balita

Weekend, Sat. - Fri., April 13-19, 2013

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17

Too much debt, think of manna from heaven Ever heard of Manna from heaven? After God BANKRUPTCY delivered the Jewish people from slavery in Egypt, Moses led them through a long journey through the desert before they were able to arrive after 40 years at the Promised Land of Canaan. While they were travelling through the dessert (no GPS yet at that time) searching for the Promised Land, they did not have enough food to feed themselves from their livestock.

Just several days wandering about in Death Valley in California with no food and water will surely kill you. So, the Jews started to complain to Moses

BY ATTY. LAWRENCE YANG that they were better off as slaves in Egypt because even though they were slaves to Pharaoh, they had enough to eat, and here they are, following the lead of Moses, lost in the desert without food and water. They do complain a lot even after witnessing the “angel of death” passing over their first born, killing only the first born of the Egyptians, including the first born of Pharaoh which finally convinced Pharaoh to let them go and the parting of the Red Sea to allow them to escape the pursuing Egyptians!

I mean, they are really too much and they demand too much of God. So they blew it again. They made a cow out of gold and worshipped it as their god!

Can you believe it? After everything that God has done for them, they turn around and betray Him. What a bunch of fools they are. By worshiping the gold cow, they condemned themselves to being lost in the desert for 40 years because God would not allow anyone who worshipped the cow to set foot on the Promised Land and it took 40 years for the last one of the cow worshippers to die. While they revel in debauchery before the golden cow, Moses goes up the mountain to tell God that the people are complaining that they have no food and water.

God tells Moses that He will send them food every morning and water will spring out of a rock if Moses strikes the rock with his staff. The next morning when the Jews wake up they discover there are bread like substances on the ground. They are able to grind these into bread and eat it. However, God tells Moses that they should only gather enough of “Manna from heaven” to last a day. God will send them Manna every morning so there is no need to store up on Manna. But since the Jews cannot follow instructions, they gather more than what is needed for the day and sure enough the excess Manna spoils the next day.

Moses himself did not follow God’s instructions because God told him to strike the stone once. Moses struck it once and waited but no water sprung forth. He struck it a second time and water came forth. So, God told Moses that because you did not obey

my instruction to strike the stone once, and only once, you will see the Promised Land but you will not set foot on it.

So for 40 years, every morning, Manna came from heaven to feed the Jews. It ended when Moses died after 40 years of wandering about in the desert when he saw the Promised Land.

When you feel that you have too much debt, think of Manna from heaven. God will take care of you and your family as He did the Jews. He gave them food and water for 40 years! However, the debt will not just disappear. You still have to do your part. You have to analyze your financial situation and take the necessary steps to get rid of your debt.

Filing a Chapter 7 or Chapter 13 bankruptcy may be part of the steps and decision that you must make to get rid of your debt. However, you can rest assure that God will help you set your financial situation back on solid footing because He loves you. In addition, this Sunday Catholics celebrate the feast of “Divine Mercy.” To obtain God’s mercy, you must say “Lord Jesus, I trust in you.”

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California.

Atty. Yang speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

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See the Introvoys in One Night for a Cause at NoyPitz Glendale See the Introvoys in One Night for a Cause at NoyPitz Glendale The Introvoys will be performing in “One Night for a Cause,” a benefit event on April 22nd at 7:00 PM at NoyPitz Bar & Restaurant in Glendale, California.

The show will be hosted by special guest, Ms. Antoinette Taus, a multitalented singer and actress from the Philippines. Singer-songwriter Kathleen Palma Farless will be opening the show.

The show is made possible by Apha Kappa Rho – West Coast Council (AKP-USA), a Filipino fraternity group that was originally formed in the Philippines at St. Thomas University in 1973. Since then, the organization has expanded both in the Philippines and throughout the United States. Introvoys drummer Paco Arespacochaga is also currently a member of AKP-USA. Proceeds from the event will benefit two non-profit organizations: ABS-CBN Foundation International and St. Vincent Meals on Wheels.

The ABS CBN Foundation International provides a multitude of services with the intention of improving the quality of life for Filipinos around the globe. It is committed to providing unrelenting support for those in need.

For more information on ABS-CBN Foundation International please visit www.tfcusa.com/abscbnfoundation.

St. Vincent Meals on Wheels delivers nutritious meals to those in need, including homebound seniors and some needy residents in the Los Angeles area. They are currently accepting volunteers for a variety of roles including drivers, meal runners (delivery), kitchen staff or clerical assistants in their offices.

For more information about St. Vincent Meals on Wheels and volunteer opportunities, call 213-484-7775 or visit www.stvincentmow.org.

For ticket sales and reservations please call 818-720-7618, visit www.noypitz.com or call them directly at 818-247-6256. Tickets will be priced at $35 per person. For more information, call 1-800-ILOV-AKP 1-800-456-8257 or visit www.akp-usa.com.

For more information on the Introvoys, visit: www.Introvoys.com.

10

Weekend, Sat. - Fri., April 20-26, 2013

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Balita

Suffering because of too much debt, think of the sufferings of job Many clients tell me that they cannot sleep and suffering much because their creditors are hounding BANKRUPTCY them day and night. The IRS has garnished their wages. They are being sued and their bank accounts levied upon. If you are in this situation, think of the sufferings that Job went through. Who is Job? He was a man who lived about 4,000 years ago and his story is contained in the oldest book of the Bible next to the book of Genesis. Job was probably the wealthiest man of his time. ek He had 7 sons and 3 daughters and owned the e

BY ATTY. es W use s following: 7,000 sheep, 3,000 camels, 500 oxen, 500 r LAWRENCE YANG Nu n Ho donkeys and a large number of servants. He had it Part Time AM/PM Ope y 10th! a made. He was blessed with family, wealth and blessM Full Time AM/PM ings of every kind imaginable. By today’s standards, he would be in the league of Steve Jobs (no relation) the owner of Apple who was worth 6 billion dollars when he died; Sam Walton, the owner of Walmart, and Bill Gates, the owner of Microsoft.

(Full Time & Part Time) Job had it all. In addition, Job was a man of God and faithful to God. By God, we mean Yahweh, the God of Moses and Abraham, the one true God. My God, our God, the • NCLEX-PN, RN Boot Camp Creator of heaven and earth and the entire universe, who sent His only and beloved Son, • Wound Care Management Course Jesus to die for our sins. So, the devil tells God that Job is faithful to God only because He has blessed him with so much. God then responded that “you can do everything in Accredited by ABHES, Approved by BPPE, BVNPT, and CDPH your power to Job, but on the man himself, do not lay a finger.”

The devil took away everything that Job had. All his ten children died, as did all his sheep, camels, oxen and donkeys. All his servants left him because he had no money to pay their wages. Job lost everything, his family, wealth and everything else he was blessed with. Despite all his sufferings, Job did not lose his faith in God. He remained faithful to God and said that “I came into this world naked with nothing. The Lord gave and the Lord took away. Blessed be the name of the Lord!”

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Can BK Trustee sell debtor’s father’s house if debtor’s name is on title?

has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and

15

looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

court’s conclusion that Sometimes parents BANKRUPTCY the defendant intended put their children’s names to hold equitable title on title to their residence and intended Stephanie even if the parents intend to acquire only legal title to keep the residence as SHORT SALE NEGOTIATOR to the home. There are their own as they conno uncontested facts that tinue to pay all expenses would call into question connected to their resi• Purchase or Refinance - Best Rates Offer the parties’ agreement. dence. The usual reason • FHA Loans 3.5% Down Only The debtors even deis for estate planning • Help Raise Credit Score - 3 days guaranteed! scribed their interest in purposes of the parents.

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Call for details. Rates subject their bankruptcy schedwhen the residence has a KEN GO • Help Explain Loan Modification Process to change without prior notice.

LIC. DRE-NMLS # 238636 25 Years Servicing ules as a “legal interest”. lot of equity and the chilOur Community The court concludes that the parties’ agreedren file for bankruptcy relief. The trustee FREE PRE-QUALIFICATION will want to sell the property to realize the ment and presumed intentions support the FREE CREDIT REPORT non exempt portion of the equity for the imposition of a resulting trust on the deADVISE ON LOAN MODIFICATION benefit of creditors. The parents will then fendant’s home in favor of the defendant.”

WE NEGOTIATE WITH LENDER Defendant in this case was fortunate argue that the residence belongs to them, SHORT SALE EXPERT not to their children. This becomes a major because he had convincing uncontroverted Call Now For A Free No Obligation Consultation legal dispute. Parents will argue that their evidence that daughter was holding the Toll Free: (888) 822-5363 • Cell: (562) 508-7048 property in trust for him.

If evidence is children own bare legal title while they, insufficient, the result may be different. the parents own beneficial title, and that 1st INNOVATIVE FINANCE GROUP Lawrence Bautista Yang is a graduate the house really belongs to the parents.

1011 W. Whittier Blvd., Suite A, La Habra, CA 90631 of Georgetown University Law Center and Who is correct?

In Re Munro, the defendant was the father of the debtor wife. He acquired his home in 1985. Since then he was solely responsible for the payment of the mortgage Starting from CST#2073323-40 on the property, as well as taxes, insurance, and maintenance costs. In other words, father paid for everything connected to the house. In 1993, as an estate planning device, the defendant added his daughter, the debtor’s name to the deed. The parties (inclusive all taxes intended that the debtor would take only & must issue by 5/15/13) bare legal title to the property. They further Roundtrip to Manila with 4 days Beijing Tour AMAZING HOTEL DEALS WORLDWIDE agreed that the debtor would hold her legal with Instant Confirmation. package Starting from $1,299 (inclusive all taxes) interest in the property exclusively for the U.S. Domestic Land Tours * Air ticket to Manila on Air China via Beijing father’s benefit. So, the house is actually * Beijing 4 days / 3 nights a property held in trust by the debtor for East Coast 6 Days 5 Nights from * 5 star hotel accommodation with daily buffet her father. Note that in bankruptcy law, $431 /P.P. BUY 2 GET 2 FREE! breakfast a property held in trust by the debtor for * Visit Great Wall, Forbidden City,Tiananmen Square, *Visit New York city, Philadelphia, Niagara Falls, another does not become property of the Washington D.C. & Hershey’s Chocolate World.

2008 Summer Olympic Venue, etc. bankruptcy estate. * Min 2 passengers / twin sharing West Coast 5 Days 4 Nights from Debtor married her husband in 2004. * Professional English-speaking guide service /P.P. BUY 2 GET 2 FREE! $491 In order to disclaim any interest in the Roundtrip to Manila with 4 days Hong Kong & *Visit Los Angeles, Disneyland, Sea World, property that he might have acquired by Las Vegas & Grand Canyon.

Macau Tour package Starting from $1,399 operation of law due to the marriage, the (inclusive all taxes) debtor husband quit claimed his interest in * Air ticket to Manila on Cathay Pacific via Hong Kong Hawaii Package 3 Days the property that he might have acquired by 2 Nights from $242 /P.P. Buy 2 Get 1 FREE! * Roundtrip airport / hotel transfers operation of law due to the marriage to the *Visit Pearl Harbor, Little Circle Island, * 3 nights hotel accommodation in Hong Kong father and his wife, the daughter. After the Waikiki Beach. * Hong Kong Island & Macau city tour couple filed for Chapter 7 relief in October * Min 2 passengers / twin sharing Las Vegas, Grand Canyon 2010, the trustee filed an adversary pro* Professional English-speaking guide service 2 ceeding against defendant father seeking 3 Days 2 Nights (Bus Tour) BUY GET 2 Roundtrip to Manila with 6 days Bangkok Tour authority to sell the property. from $179 Wed/ $199 Sat /P.P. FREE! Package Starting from $1,640 (including all taxes) At the summary judgment motion * Air ticket to Manila on PAL via Bangkok San Francisco, Hearst Castle & hearing, the court found that the debtor * 5 nights at 4 star hotel accommodation Yosemite National Park daughter did not have an equitable interest with daily breakfast buffet 3 days 2 Nights (Bus Tour) in the property even if her name was on title * Visit Grand Palace, Emerald Buddha, Pattaya Fruit from $209 Sat /P.P. BUY 2 GET 2 FREE! to the property together with her father’s Garden, Golden Triangle History Village, etc. name. “Here, the court finds, by clear and * Min 2 passengers / twin sharing convincing evidence, that the imposition of * Professional English-speaking guide service a resulting trust on the defendant’s (father) *Fares include fuel surcharge, airport tax, government taxes and fees, including $2.50 September 11th Security Fee per segment.

Although prices are current at the time of printing or listing, airlines frequently change their prices as a result of fare increases home for the benefit of the defendant is and/or fare surcharges. Therefore, prices may differ when you book your travel, and are not guaranteed until full payment is received.

Please call for our most current prices. appropriate. Based upon the uncontested summary judgment evidence, the court concludes that an agreement existed Los Angeles West Covina Volta Travel & Tours JD Travel & Tours Panorama City between the defendant and his daughter, (213) 381-6323 (562) 606-2766 Stephanie, as to the home. In particular, Alexander Uni Travel & Tours Japan Plus Travel CST# 2094223-4 CST# 2087405-40 San Bernardino when the defendant added Stephanie to Travel & Tours (626) 965-7765 & Tours the General Warranty Deed in 1993, the (818) 800-6146 CST# 2108810-40 Empire Travel & Tours (213) 384-2040 Carson Cerritos (909) 980-1002 defendant and Stephanie understood that CST# 1020285-40 Travel International Where Else Travel CST# 2111098-40 Orange County CST# 2061775-40 the defendant was to retain all of the (310) 327-5143 (562) 879-4373 ARB Travel & Tours Manila Travel beneficial interest in his home. Moreover, Pasadena CST# 2058413-40 Victorville CST# 2094452-40 (213) 381-6440 (714) 991-8669 the conduct of the parties further supports Century Tours & CST# 276713-40 CST# 2082780-40 Speed Travel Service Kamback Travel Eagle Rock the proposition that the defendant and Travel (760) 243-9002 & Tours Stephanie both intended for the defendant Magellan Global Tours Hyssop Travel JJ Bargains Travel (626) 792-0276 CST# 2059088-40 (310) 549-2675 (213) 325-3088 alone to hold beneficial title to his home.

(818) 459-3880 (714) 928-5526 CST# 2003635-40 CST# 2077558-40 CST# 2107562-40 The defendant lives alone in the home, and CST# 2109786-40 CST# 2074702-40 Kern County only the defendant has borne the costs and A & J Travel Svc. Baldwin Park Long Beach First Choice All Friends All Friends Travel risks of ownership by making the mort(661) 721-8251 Travel RC Travel & Tours Golden Travel & Tours Travel & Tours & Tours gage payments and paying property taxes, CST# 2092441-40 (323) 999-3900 (562) 426-9188 (626) 962-8066 (714) 202-8690 (310) 481-2280 insurance, and other expenses,” the court CST# 2064588-40 CST# 2037734-40 CST# 2052059-40 CST# 0030661-40 CST# 0030661-40 said. “Therefore, the evidence supports the

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Troubled by debt, seek comfort in Psalm 23

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Suffering is part of the human condition. Adam BANKRUPTCY and Eve introduced pain and suffering to mankind when they ate of the forbidden fruit. Adam blamed Eve for convincing him to partake of the fruit that would give them the knowledge of good and evil, so the tempter, the devil in paradise said to Eve. Before they ate the forbidden fruit, Adam and Eve, not Adam and Steve, were doing just great in Paradise.

They had a superior kind of physical body that would not age, decay, get old or get sick. Hence, they knew nothing of pain and suffering. They even got

BY ATTY. LAWRENCE YANG to walk with God in Paradise probably every day.

But once they bit into the forbidden fruit, they lost their innocence and knew that they were naked. k Worse, their bodies transformed from the who had $6 billion to his name, died of e We s e superior kind of physical body that could pancreatic cancer at the age of 56. All the e s Nur n Hous not age or decay, into the kind of bodies talent and wealth in this world cannot save Part Time AM/PM Ope y 10th! that we have; the inferior body that gets us from pain and suffering. Only belief in Ma Full Time AM/PM old, sick and dies; the body that feels pain Jesus Christ guarantees eternal life. and suffering. Adam and Eve blew it, not I know many clients complain to me that only for themselves, but for all of their they suffer much because they have too (Full Time & Part Time) descendants. much debt. They have no peace. Their lives Unfortunately, you and I, and everyone are in turmoil. Are you in need of solace • NCLEX-PN, RN Boot Camp else in the world that is human, are de- and comfort? Then I refer you to Psalm 23 scendants of Adam and Eve. We are born written by King David. Psalms are poems • Wound Care Management Course into this world where we will feel pain and that are sung by their authors and they give Accredited by ABHES, Approved by BPPE, BVNPT, and CDPH suffering of all kinds. Michael Jackson, the insight to the nature of God. By God, I refer King of pop, was in great pain and suffer- to the one true God, the God of Moses and ing, to such extent that it killed him at the Israel, my God, who sent his only Son, age of 50. Steve Jobs the owner of Apple, Jesus, to become the Savior of mankind, made incarnate through the Blessed Virgin Mary. There are 150 Psalms in the Bible and about 70 were written by King David.

It is said that God, the Holy Spirit inspired David to write those Psalms so that we can understand the nature of God. It is the most famous Psalm in history of mankind: “The Lord is my shepherd. I lack nothing. He makes me lie down in the green pastures. He leads me beside quiet waters, he refreshes my soul. He guides me along the right paths for his name’s sake. Even though I walk through the valley of the shadow of death, I fear no evil, for You are with me. Your rod and your staff, they

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19

Troubled by debt, seek comfort in Psalm 23 Suffering is part of the human it killed him at the age of 50. Steve Jobs condition. Adam and Eve introduced the owner of Apple, who had $6 billion BANKRUPTCY pain and suffering to mankind when to his name, died of pancreatic cancer at they ate of the forbidden fruit. Adam the age of 56. blamed Eve for convincing him to All the talent and wealth in this world partake of the fruit that would give cannot save us from pain and suffering. them the knowledge of good and evil, Only belief in Jesus Christ guarantees so the tempter, the devil in paradise eternal life. said to Eve. I know many clients complain to me that they suffer much because they have Before they ate the forbidden fruit, too much debt. They have no peace. Their Adam and Eve, not Adam and Steve,

BY ATTY. lives are in turmoil. Are you in need of were doing just great in Paradise. They LAWRENCE YANG solace and comfort? Then I refer you to had a superior kind of physical body Psalm 23 written by King David. Psalms that would not age, decay, get old or get sick. Hence, they knew nothing of pain and suffering. They are poems that are sung by their authors and they give even got to walk with God in Paradise probably every day. insight to the nature of God. By God, I refer to the one true But once they bit into the forbidden fruit, they lost their God, the God of Moses and Israel, my God, who sent his only Son, Jesus, to become the Savior of mankind, made innocence and knew that they were naked.

Worse, their bodies transformed from the superior kind incarnate through the Blessed Virgin Mary.

There are 150 Psalms in the Bible and about 70 were of physical body that could not age or decay, into the kind of bodies that we have; the inferior body that gets old, sick written by King David. It is said that God, the Holy Spirit and dies; the body that feels pain and suffering. Adam and inspired David to write those Psalms so that we can unEve blew it, not only for themselves, but for all of their derstand the nature of God. It is the most famous Psalm descendants. Unfortunately, you and I, and everyone else in history of mankind: “The Lord is my shepherd. I lack nothing. He makes me in the world that is human, are descendants of Adam and Eve. We are born into this world where we will feel pain lie down in the green pastures. He leads me beside quiet and suffering of all kinds. Michael Jackson, the King of waters, he refreshes my soul. He guides me along the right pop, was in great pain and suffering, to such extent that paths for his name’s sake. Even though I walk through the

valley of the shadow of death, I fear no evil, for You are with me. Your rod and your staff, they comfort me.

You prepare a table before me in the presence of my enemies. You anoint my head with oil. My cup overflows.

Surely your goodness and love will follow me all the days of my life, and I will dwell in the house of the Lord forever.�

Wow! What a powerful source of comfort for us who are troubled with pain, suffering and financial distress. I think only King David, inspired by the Holy Spirit; can write with such feeling and wisdom.

We can depend on our God to show us the way out of our troubles. This is guaranteed. Even though we have a lot of debt now and cannot pay for these debts, if you call to Him, He will guide you to the right paths. He will bring you away from your troubles, to green pastures, to quiet waters and He will refresh your soul!

In your prayers, you may find that Chapter 7 or 13 bankruptcies is the right path to get out of debt.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

Grand jury indicts five in large-scale immigration fraud led by attorney who ‘bribed officials’ indictment issued on Friday – used illegal tactics to procure immigration benefits for clients. Lee allegedly paid bribes to public officials to secure admission stamps and lawful permanent residency status for aliens who paid fees ranging from a few hundred dollars to well over $50,000.

Lee paid bribes to government officials, with payments ranging from $50 to as much as $10,000 given to an officer with U.S. Citizenship and Immigration Services (USCIS).

Authorities have identified several dozen aliens who improperly received immigrations benefits, but that number is growing as the investigation continues.

Those named in the indictment filed yesterday are: USCIS Supervisory Officer Jesus Figueroa, 66, of Tujunga; former USCIS Officer Paul Lovingood, 71, of Newhall, who surrendered to federal authorities this

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BANKRUPTCY WE ARE A DEBT RELIEF AGENCY. WE REPRESENT DEBTORS IN CHAPTER 7, 13, 11 AND 12 OF THE NEW BANKRUPTCY LAW. THIS INCLUDES RELIEF FROM MORTGAGE PAYMENT DEFAULTS AND PRE-FORECLOSURE RELIEF FOR RESIDENCES AND OTHER REAL ESTATE PROPERTIES.

30th Year in

Law Practice

Let Me Help You Wipe Out Debt & Obtain A Fresh Start

THOUSANDS OF SUCCESSFUL CASES IN LA, ORANGE, RIVERSIDE, SAN BERNARDINO, VENTURA & SAN DIEGO COUNTIES•CHAPTER 7, 11, 12 & 13

Have you mortgaged your grandchildren to Mastercard and Visa? Snowed under by a mountain of debt? Worried about losing your home and car? Call me immediately today! Yes, I speak Tagalog. No, I won’t charge you for consultation. I can help you keep your home, car and other personal properties.

I look forward to help you: discharge debts; stop foreclosures; wage garnishments; stop harassments from collectors; stop repossessions. •CANCEL 2ND TRUST DEEDS •DIVORCE & FAMILY LAW •CIVIL, BUSINESS & REAL ESTATE LITIGATION & TRIALS

L A R R Y YA N G i s a g r a d u a t e o f Georgetown University Law Center with a master’s degree in law and practices before California State Courts, United Sates District Courts, the California Appeals for the 9th Circuit and US Bankruptcy Courts.

Call our office for appointment

(626) 284-1142 and ask for Angie or Jess.

Atty. Yang will personally interview you

Filipino Po Tayo. Free Consultation.

Weekend & Evening Appointments Available.

110

1000 S. Fremont Ave., Building A-1 Suite 1125 Unit 58, Alhambra, CA 91803

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morning; James Dominguez, a special agent with U.S. Immigration and Customs Enforcement’s (ICE) Homeland Security Investigations (HSI), 46, of Ventura, who surrendered to federal authorities this morning; U.S. Customs and Border Protection Officer Michael Anders, 53, of Torrance; and Mirei Hofmann, 38, of Los Angeles, a native of Japan, who allegedly paid Lee tens of thousands of dollars to secure a permanent resident card.

Figueroa and Hofmann were named in an earlier indictment returned by the grand jury about a month ago.

Anders and Lee, a 47-year-old resident of Los Angeles, were named in a criminal complaint filed about a month ago. All four were previously arrested and released on bond. Arraignments will take place in a few weeks.

FREMONT AVE.

LOS ANGELES – An agent with the Department of Homeland Security and a former immigration officer surrendered to federal authorities on Friday after a grand jury indicted them and three others who allegedly participated in a long-running immigration fraud scheme that was fueled by official corruption.

The conspiracy was allegedly orchestrated by a Los Angeles attorney who paid bribes as high as $10,000 to officials with several agencies in the Department of Homeland Security to help secure immigration benefits for aliens he was representing.

An 18-count superseding indictment returned yesterday afternoon outlines a wide-ranging bribery scheme in which attorney Kwang Man “John� Lee – who was previously charged in a criminal complaint and is not named in the

10 WEST DOWNTOWN LA.

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Use the sword of God and Gideon on your debts Debts are a big BANKRUPTCY headache for many people. In my last article, I suggested that if you had problems with debt you should rely on Psalm 23 for comfort. It says that you should rely on the Lord for He will guide you to the right path.

BY ATTY. LAWRENCE YANG Then what is the right path to get rid of your debts? After praying to the Lord for guidance you may find out that Chapter 7 or 13 bankruptcies may be the right path for you. A fresh start or reorganization of your financial affairs might be the right direction for you. We will now compare a bankruptcy where you are able to wipe out your debt to the Sword of God and Gideon. So, who is Gideon?

Gideon was a farmer at the time that the Jews were captives of the Midianites. One day, Gideon saw an angel sitting under an oak tree. The angel said to him, “You are a brave man, Gideon; and the Lord is with you. Go out boldly, and save your people from the power of the Midianites.� Puzzled by this message from the angel since he

was just a farmer, Gideon answered the angel, “O Lord how can I save Israel? Mine is a poor family in Manasseh and I am the least in my father’s house.� And the Lord said to him, “Surely I will be with you, and I will help you drive out the Midianites.� Gideon felt that it was the Lord who was talking with him, in the form of an angel.

He brought an offering, and laid it on a rock before the angel. Then the angel touched the offering with his staff.

At once a fire leaped up and burned the offering; and then the angel vanished from his sight.

On the spot where the Lord appeared to Gideon, Gideon built an altar, and called it ‘The Lord is peace.’ Then the Lord told Gideon that before setting his people free from the Medianites, he must first set them free from the service of the pagan gods Baal and Asherah, the two idols most worshiped among them. On that night, Gideon went out with ten men, threw down the images of Baal and Asherah, and destroyed the altar before these idols. And in place he built an altar to the God of Israel, my Lord and my God, whose only Son, Jesus died for our sins so that we could have eternal life with Him in heaven. Right on, Gideon!

Gideon was a man of faith and wished to be sure that God was leading him; and he prayed to God, and said, “So Lord God, give me some sign that thou will save Israel through me. Here is a fleece of wool on this threshing floor. If tomorrow morning the fleece is wet with dew,

while the grass around it is dry, then I shall know that thou art with me, and that thou wilt give me victory over the Midianites.� Very early the next morning Gideon came to look at the fleece. He found it wringing wet with dew, while all around the grass was dry. But Gideon was a ‘segurista’ and wanted to be sure, that it was God who was really talking to him. So, he said to the Lord, “O Lord, be not angry with me; but give me just one more sign. Tomorrow morning, let the fleece be dry, and let the dew fall all around it; and then I will doubt no more.� The next morning Gideon found the grass and the bushes and the trees wet with dew, while the fleece of wool was dry.

Gideon then led 300 men against an army of thousands of the Midianites and utterly crushed them with “The sword of the Lord and of Gideon.� With a Chapter 7 or 13, you can also utterly crush your debt and wipe them out. Pray first if this is the right choice for you.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

‘Be Careful With My Heart’ concerts draw thousands in Los Angeles and Kissimmee REDWOOD CITY, CA, May 15, 2013 – Social media was crawling with photos and comments the past weekend following the back-to-back concerts of the Philippines’ number one daytime show, “Be Careful With My Heart�, at the Shrine Auditorium in Los Angeles, California last Friday and at Silver Spurs Arena in Kissimmee, Florida on Mothers’ Day. “Super saya talaga! 3 hours akong tumatawa (It was super fun! I was laughing for three hours),� posted Nelly Sugabo on Facebook. “It was one of the best Filipino concerts I’ve been to. It was really ka-familia,� echoes Lorna G. Torres.

Event-filled May 10 had the defending Stanley Cup champions Los Angeles Kings

going up against St. Louis Blues for Game 6 of their nail-biting Western Conference Quarterfinals series at the famed Staples Center. Award-winning film director Baz Luhrmann’s much publicized, lavish Jazz Age drama “The Great Gatsby� starring superstar Leonardo DiCaprio also opened on the same day. But the City of Los Angeles declared May 10 as “ABS-CBN TFC Be Careful With My Heart Kapit Bisig Day� via a Proclamation signed by no less than Mayor Antonio Villaraigosa and the entire City Council.

The Proclamation was presented by Mayor Pro-Tem of Walnut, California Antonio Cartagena, Filipino-American Service Group, Inc. Executive Director Susan Dilkes, and Philippine Consul Gen-

eral Maria Hellen Barber De La Vega of Los Angeles to Be Careful With My Heart Business Unit Head Ginny Ocampo, ABSCBN Head of Ad Sales, Trade Marketing & Events Ricky Resurreccion and ABS-CBN North America Managing Director Olivia De Jesus. It honored the commitment of ABS-CBN, TFC and the show to promote Filipino participation in the recently held Philippine elections and the May 21 municipal election in Los Angeles County.

Consul General Barber De La Vega praised the Philippine government partnership with TFC by saying that voter registration for overseas absentee voting increased fivefold as a result of TFC support.

The fans trooped to the landmark Shrine Auditorium and filled it to the rafters, mak-

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ing the concert among the most attended events in the venue. On Mothers’ Day, May 12, Florida fans of the show also came in full force to the Silver Spurs Arena to profess their love for Sir Chief, Maya, Abby, Tart, Sabel – beloved characters of the popular TFC teleserye – with world-class singing champions Yeng Constantino and Jovit Baldivino.

Feel Good, Family-friendly Fun Both concerts – the U.S. leg of an ongoing world tour of the show that already took them to the Middle East and will take them to Canada next – played on the strengths of the top-rating teleserye: it highlighted segments that were light, breezy, feel-good, wholesome (with an acceptable dose of impish humor) and generally upbeat.

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Heavy debt problems are light compared to book of lamentations People with heavy debt think that they have serious problems in life that are almost unbearable. “Attorney, we can’t sleep because our creditors are hounding us day and night! They threaten us with lawsuits and wage garnishment and bank levies!” Well, yes, if you have too much debt, it does create a financial problem for you but we can certainly get you out of that situation by getting rid of your debts with a bankruptcy while you keep all your assets and income.

Once I had a client who killed himself before we filed his bankruptcy because he could not continue living. If this is what you are thinking, don’t do it. You owe creditors money not your life! Let’s put things in the right perspective, ok? In America, you can get rid of debt with a bankruptcy but still keep most if not all of your assets. So, there is a solution to your debt problems. In America, you can get a fresh start in life without debt and be productive again. This is the simple truth and I kid you not.

Let’s compare your debt problems to the sufferings in the Book of Lamentations so you can get a correct perspective of the weight of your financial problems.

Jeremiah wrote this in 580 B.C. to describe

the sufferings of the Jews our dancing turned to who are destroyed by mourning…”

BANKRUPTCY their enemies because If you were an Isthey have been unfaithful raelite at the time that to God: Jeremiah speaks of, fi“Remember, O LORD, nancial problems that what has happened to us; you suffer from now look, and see our diswould be the least of grace. Our inheritance has your problems. At that been turned over to aliens, time, you would be a our homes to foreigners. slave to your former

BY ATTY. We have become orphans slaves with no asset, no LAWRENCE YANG and fatherless, our mothroof over your head, and ers like widows…Those no food to eat and feverwho pursue us are at our heels; we are ish from hunger! weary and find no rest. We submitted to Or, let’s compare the situation to NanEgypt and Assyria to get enough bread. king in 1937 when 500,000 Chinese civilOur fathers have sinned and are no ians and disarmed soldiers were murdered more, and we bear their punishment. Slaves by the invading Japanese savages in a rule over us, and there is none to free us matter of six weeks. 20,000 women and from their hands. We get our bread at the young girls raped then killed with bayorisk of our lives because of the sword in nets. What if you and your family were the desert. O trapped in Nanking in 1937 to face such ur skin is hot as an oven, feverish from violence and depredation? Your present hunger. Women have been ravished in financial problem is nothing compared to Zion, and virgins in the town of Judah. being subjected to these atrocities.

Princes have been hung up by their hands; Or, let’s move on to Manila in 1945, elders shown no respect. Young men toil when the Japanese were retreating and at the millstones; boys stagger under loads moving out of Manila because Gen. McArof wood… Joy is gone from our hearts; thur and the American forces had landed

in Leyte. The Japanese were butchering all the civilians that they met in their retreat. This is the description of Manila

by Frank Ephraim in his book “Escape to Manila – from Nazi tyranny to Japanese Terror”: “The view from San Andres was like a scene from Dante’s Inferno. Strewn with bloated corpses, wrecked cars, dead animals, piles of rubble, twisted metal roofing, and urban debris, … there was not a single landmark we recognized…in the lifeless broken landscape that was obscured by smoke and permeated by the stench of cordite and death.”

Look at your debts with the proper perspective. You can start fresh with no debt while keeping most if not all your assets with bankruptcy.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

PHL March imports plunge steepest in 11 months MANILA, May 24 (Mabuhay) – Imports in March fell the steepest in 11 months, a development that could temper the first quarter trade deficit.

Data released by the National Statistics Office Friday showed the import bill continued to plummet in March, down by 8.4 percent to $4.92 billion from $5.371 billion a year earlier.

The March contraction was the sharpest year-on-year decline since the 13.6-percent

drop in April last year.

In the first quarter, imports totaled to $14.356 billion, down 7.4 percent from the first three months of 2012.

Total imports in the first quarter reached $12.081 billion, with the trade deficit settling at $2.276 billion or 13.3 percent narrower from $2.625 billion in the same comparable period.

Sought for comment, Metropolitan Bank & Trust Co. research head Ildemarc

Bautista surmised the decline in imports would cushion the negative impact of trade in the gross domestic product.

“This simply means that some sort of lift in balance of trade numbers will be seen.

Remember trade’s contribution is computed as exports minus imports,” he told GMA News Online in a telephone interview.

“The easing in trade deficit last year – due to pick-up in exports and the marginal decline in imports – provided a boost to growth. So, something similar but a more marginal boost may be seen,” Bautista added.

Electronic products, which accounted for a fourth of total merchandise imports in March, dipped 0.6 percent to $1.246 billion, softer than February’s 12.6 percent decline.

Bautista said this was “expected” given the slow global economic recovery espousing weak demand for electronic products.

Semiconductors and other electronics are the country’s top export products, in which the bulk of raw materials are sourced overseas. Given the easing demand for such products, the National Economic and Development Authority has put diversifying export products at the forefront of its priorities.

Going forward, Bautista said the exact impact of trade is yet to be seen as the world’s economic recovery remains “unsure.

“I’m not sure about how these numbers are really pointing out a trend. We’ll have to wait for more data in the second quarter to see how these would really impact the Philippine economy this year,” he noted.

China was the top source of inbound shipments, accounting for 11.5 percent or $564.45 million of the total imports bill.

Shipments from the U.S. accounted for 11 percent of the total valued at $545.03 million, and from Taiwan reflecting 10 percent valued at $489.87 million. (MNS)

Filipino celebrity Aiza Seguerra recently visited Barrio Fiesta Glendale and ordered kare-kare and crispy pata, which she said were her favorites. To the delight of Barrio Fiesta Glendale owners, the unsolicited endorsement, which was videotaped earned Aiza a “lifetime supply of kare-kare and crispy pata and leche flan for free.”

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Your debts and King David’s lust

17

OFWs in Myanmar want Aquino to continue reforms

Sometimes you wonUriah is killed in battle, BANKRUPTCY der why you acquire so David marries Bathsheba much debt without reas his 7th wife. Now, ally thinking about it.

David is also a murderer.

NAY PYI TAW, Myanmar, June 7 (Mabuhay) – Noting the various accomClient makes $20,000 David thinks he has plishments of the Aquino administration, Filipinos living and working here in a month which is high done nothing wrong. But Myanmar are expecting President Benigno S. Aquino III to continue the good income. When his home God sends the prophet policies and the reforms he initiated since he assumed office in 2010, Philippine increased in value in Nathan to tell David a Ambassador to Myanmar Alex Chua said.

2006, he obtained a home story about a rich man During an interview with PBS-RTVM, Ambassador Chua said that there are equity loan of $300,000 who steals the ewe (baby around 500 Filipinos living and working in Myanmar, most of them are concenand used that as down sheep) of a poor man.

BY ATTY. trated in Yangon, the commercial capital of Myanmar.

LAWRENCE YANG payment to buy two McDavid is outraged by the “Filipinos in Myanmar are in wide range of occupations – they are teachers, Mansions. With 3 houses injustice and demands engineers, architects, journalists, technical experts, business professionals,� he and $1.5 M of loans on that the rich man be punsaid. “Most Filipinos in Myanmar are well-respected for having contributed to the houses, his monthly mortgage pay- ished. Nathan says the “rich man is you the advancement and development of this nation.� ment was $12,000. When the housing David, because you stole the only wife of Ambassador Chua said that President Aquino is popular in Myanmar and that market crashed in 2008, he lost 2 houses Uriah whom you killed!� Realizing what he even topped the presidential elections in Overseas Absentee Voting precinct to foreclosure since he could not make he has done, David is filled with remorse here in 2010. the payments even with husband and wife and repents.

He also said that the Filipinos here have noted the various developments in working 3 jobs. So, the bank sues him for What David has done is displeasing to the country, as well as the accomplishments of the Aquino administration, par$300,000 for the home equity loan which is God. He is punished with the death of his ticularly in the economic sector. now an unsecured debt. First he scratches baby with Bathsheba. The baby becomes “Our countrymen in Myanmar, like most Filipinos back home, expect him to his head and wonders why he decided to get seriously ill and dies several days after continue his good policies and constructive programs for the welfare and better such a large loan. Then he says, “Because birth. His son Absalom rebels against him future of our country and people,� he added.

I was greedy, I thought the values of the and claims the throne. Absalom has sex President Aquino will visit Myanmar on Friday to participate in the 22nd World 3 houses would keep on going up then I with 10 of David’s concubines in public Economic Forum on East Asia, as well as to invite the delegates of the WEF to could sell two and make a million dollars because David stole Uriah’s wife. Abthe Philippines next year. He is also expected to invite foreign investors to come after paying back the $300,000!� Now he salom is later captured and executed by to the Philippines and explore the business opportunities in the country. (MNS) seeks bankruptcy relief.

David’s army just as Uriah was killed in It was his desire for a million dollars the battlefield. that made him decide to borrow $300,000.

Lawrence Bautista Yang is a graduate So, be careful of what your heart desires of Georgetown University Law Center and because it can lead to destruction. This has been in law practice for thirty years. is what happened to King David. King He specializes in bankruptcy, business and David was the one who killed Goliath, the civil litigation and has handled more than Philistine giant, with a slingshot. From five thousand successful bankruptcy cases a shepherd boy, God made David, king in California. He speaks Tagalog and looks of Israel and Judah after Saul. He had 6 forward to discussing your case with you wives and numerous concubines. While personally. Please call Angie, Barbara or walking in the roof of his palace, he saw Jess at (626) 284-1142 for an appointment Bathsheba, who was then the wife of at 1000 S Fremont Ave Bldg A-1 Suite Uriah, naked and taking a bath on the roof 1125 Unit 58 Alhambra, CA 91803. of her house which was just across the palace. Let’s just say that Bathsheba was a young, well-endowed beautiful woman who looked a lot better than Goliath. At that point in time, David forgot about his 6 wives and numerous concubines. His eyes and his heart coveted Bathsheba. He forgot the 10th commandment, “Thou shalt not covet thy neighbor’s wife!� Covet means he lusted after Bathsheba and wanted to commit adultery. He forgot the 7th commandment: “Thou shalt not commit adultery!� At that moment, King David’s desire to have Bathsheba caused him to break two commandments. And as we shall see later, he will also break another commandment, the 6th “Thou shall not commit murder!�

King David became a fornicator, adulterer

and murderer because of his strong desire

for Bathsheba.

King David subsequently made Bathsheba pregnant. The problem you see was her husband Uriah was an officer in Da ! vid’s army. Uriah was never home because

" ! # he was far away fighting a war for David. # # $ # In an effort to conceal his sin, David sum % % moned Uriah home from that battlefield

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16

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Your debts and seven loaves of bread If you have debt were only seven loaves BANKRUPTCY problems, think of seven of bread and two fish. loaves of bread and two Jesus then held up the fish. A crowd of 5,000 loaves and fish towards men, their wives and chilheaven and thanked God dren, making the crowd for His blessing. Thereabout 15,000 to 20,000, after He broke the bread had been listening to Jeand the fish and told the sus talk in the wilderness. disciples to put them in On the third day, the distwelve baskets and to ciples of Jesus told Him distribute the bread and

BY ATTY. LAWRENCE YANG that He should send the fish to feed a crowd of crowd home. But Jesus 20,000 men, women and was concerned that the children. crowd would be hungry because they had How can you feed a crowd of 20,000 been following Him for three days and had with seven loaves of bread and two fish? finished all the food that they had brought The disciples must have thought that Jesus with them. The disciples replied that there had lost His mind. Nevertheless, they had

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faith in Him being divine and did as they were told. Lo and behold, the baskets were continuously replenished with bread and fish until each and every one of the 20,000 were fully fed! This event shows that Jesus loves us so that He does not want us to be hungry, and, if we rely on Him, we rely on the infinite source of abundance. His disciples had asked Him to send the crowd home. It was Jesus who said that they must be hungry and should be fed, instead of being sent home hungry. It was also Jesus who said that “A thief comes to steal, kill and destroy. But I have come that they may live and live life abundantly.”

If you are worried that your debts destroy you financially, pray to Jesus because He cares for you and loves you, hence He will surely provide a solution to free you from debt enabling you to be productive again. He cares that the crowd of 20,000 is hungry and should be fed. Thus, He must also care that you will be free of your debt problems because they prevent you from living life abundantly.

And He has promised us that He has come so that we may live and live life abundantly! The solution to your debt problems may come in the form of Federal law that provides you with a fresh start in life with a Chapter 7 discharge of your debts. If you qualify, you can wipe out all of your debts while keeping all of your assets subject to exemption laws. For instance, if you owe $100,000 of credit card debt, and another $200,000 of business debts, you can wipe out all $300,000 while keeping your house, your cars, your furniture, your retirement and bank accounts. You may even be able to continue operating your business depending upon certain conditions. Your income remains intact. Thus, you continue doing what you do to make money, keep most if not all your assets, but you are free

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of all your debts. In a Chapter 13, you get rid of the 2nd trust deed on your residence assuming the current market value of your house does not exceed the balance of your first trust deed.

The miracle of the multiplication of seven loaves of bread and two fish is only one of the many miracles that Jesus performed to prove that He is the Son of the one true God. Aside from this, Jesus walked on water while the boat of His disciples were being tossed by stormy waves, changed water into wine in a marriage celebration in Cana, Galilee, resurrected the dead child of the widow of Nain , resurrected His friend Lazarus who had been dead for several days, healed the cripple at Bethesda. And He resurrected three days after his death on the cross! He is truly the Son of God! Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

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Your debts and Samson (PART I) If you have debt problems, think of Samson.

Samson lived in Israel about 1200 B.C. Before he BANKRUPTCY was born, the Israelites betrayed the one true God again by going back to their ungodly ways. God punished the Israelites by delivering them over to the Philistines who worshipped the false god Dagon.

Thus, the Israelites were living under the yoke of Philistine rule for 40 years. Samson was granted supernatural strength by God to fight the Philistines as well as perform heroic feats in the name of God. An angel of the Lord in human form appears to the

BY ATTY. barren wife of Manoah, an Israelite, and promises LAWRENCE YANG her that she will have a son who will deliver Israel from the oppression of the Philistines. However, God’s condition was that both mother and son must abstain from all alcoholic beverages, and not to shave or cut his hair. Following these conditions, Samson would become a “Nazarite of God” who dedicated his life to God. In exchange, God would give Samson supernatural strength. Move over Superman, Batman and Spiderman. Samson was actually the world’s first super hero because of his gift from God, the one true God, the God of Moses and Israel, my God, who sent His only Son, Jesus, who willingly agreed to become man and die on the cross for us because He loves us so, that we may have eternal life with Him after our earthly life expires. Samson was born 1,200 years before Jesus was born through the Blessed Virgin Mary in a manger in Bethlehem.

As a young man, Samson falls in love with a Philistine woman. Although his parents object, Samson decides to marry the woman who worships the false god Dagon. On the way to visit his fiancé, Samson is attacked by a lion. Samson rips the lion apart with his bare hands! Sometime later, when Samson is on his way to his wedding, he finds that a swarm of bees have nested in the carcass of the lion. He eats the honey, and at the wedding celebration he offers a riddle to the 30 Philistine guests: “Out of the eater something to eat; out of the strong something sweet.” Samson said that if they could solve the riddle, he would provide thirty garments to the guests.

Frustrated by their inability to solve the riddle, the guests persuade Samson’s bride to get the answer from Samson. Samson gives the answer to his bride on the 7th day and his bride gives the answer to his guests who say “What is sweeter than honey and what is stronger than a lion? To get the 30 garments that he had promised if the riddle was solved, Samson went to a nearby village and killed 30 Philistines whose garments he gives to the wedding guests. However, when he returns to the wedding, his bride has chosen one of the guests as her husband. The bride’s father offers Samson his younger daughter who weighs a ton but Samson rejects the offer, saying that she is not heavy enough. His original bride at 5 tons was just right for him. Instead, Samson catches 300 foxes and attaches torches to their tails. He lets them loose to burn the corn fields and vineyards of the Philistines.

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Samson then falls in love with Delilah.

He sees Delilah for the first time lifting 500 lbs. barbells at the gym, and it’s love at first sight. But the Philistines now hate Samson so 3,000 Philistines follow him to his cave where he kills a thousand of them with the jawbone of a donkey. The Philistines bribe Delilah with 1,000 pieces of silver to find out the secret of his strength. Samson teases Delilah by answering that if she tied him with fresh bowstrings, new ropes or if his locks are woven together, he would become weak. Delilah has her servant tie up Samson with fresh bowstrings while he sleeps, but when he wakes up he easily snaps the bowstrings. (End of part I) Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

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Your debts and Samson (PART 2) Last week, I said that in the middle of his if you have debt probforehead and the body BANKRUPTCY lems, think of Samson. of a man, bribe DeliWe ended last week lah with 1,000 pieces with Samson having to find out the secret wrecked havoc on the of Samson’s strength.

Philistines by killing God gave Samson sua thousand of them pernatural strength prowith the jawbone of a vided both mother and donkey. Samson was son must abstain from a “Nazarite” who had all alcoholic beverBY ATTY. dedicated his life to ages and that no razor LAWRENCE YANG God, my God, the God shall touch the hair of of Moses and Israel, Samson. who asked his only Son, Jesus, to beThe Philistines are becoming despercome man and die on the cross, to re- ate because they cannot capture Samson deem mankind from the consequences because of his superhuman strength. of sin. Jesus willingly agreed to become Imagine trying to capture Superman incarnate through the Blessed Virgin without kryptonite. It’s an imposMary, and die for us so that we may have sible task. Delilah implores Samson eternal life with Him and His Father, to tell her the secret of his strength. because they both love us so despite our Samson teases Delilah by saying that sinful nature. We are so fortunate to have if she tied him with fresh bowstrings, such a Loving God. he would become weak. She ties him Samson then falls in love with Deli- with fresh bowstrings as he sleeps, but lah. He sees Delilah for the first time when he wakes up, he easily snaps the benching 500 lbs at the gym and, it’s bowstrings. Samson teases Delilah by love at first sight. But the Philistines answering that if she tied him with new hate Samson and they want to capture rope, he would become weak. Delilah him. The Philistines who worship the ties him with new rope but again he false god Dagon who is said to have wakes up and easily snaps the rope. On the head of a bull with a single horn the third night, Samson tells Delilah

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that if his locks are woven together, he would become weak. Delilah’s maid weaves his 7 locks together while he slept, but the next morning Samson is attacked by a raging bull which he kills with his pinky. Delilah begs Samson for his secret. Samson whose weakness is beautiful women who will betray him tells Delilah that if his locks were shorn, he would lose his strength.

Delilah takes a razor and cuts off all his hair when he sleeps. Unlike Superman, whose hair can only be cut with scissors that are edged with kryptonite, Samson’s hair can be cut with an ordinary razor. The next morning, Philistine soldiers barge into the room and Samson is easily subdued. With his hair gone, his “Nazarite” oath to God is broken, and the Spirit of God leaves him. Samson is incarcerated, and in prison, they pluck out his eyes with a knife. They tie the blind and bald Samson to a stone mill where is left to grind wheat. Months and years pass, and of course, his hair grows back. But the Philistines have forgotten about Samson’s source of superhuman strength. To mock Samson, the Philistines bring him to a public structure that is supported by two main columns where 4 thousand Philistines are prepar-

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ing to have an orgy in front of their false god Dagon. A dozen Philistine pygmies wielding short spears harass Samson by poking him with spears.

Samson wedges himself between the two columns, stretches out his arms and pushes against the two columns. Samson calls out to God, apologizes for what he has done, and begs God to give him back his strength one last time. God hears the pleas of Samson and the Spirit of God enters Samson once again. Once again, Samson is possessed of superhuman strength! He sneezes and all the pygmies are blown away. Eventually, the structure collapses and implodes, killing all the Philistines and Samson.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

Erap eyes raising property taxes in Manila Aside from increasing property taxes, the new mayor is also planning to relocate oil depots that have long been fixtures in Manila.

Estrada believes Manila should not be vulnerable to the dangers posed by oil depots especially since the city hosts the presidential palace.

Meanwhile, Estrada said he plans to put up a night market in the streets of Manila where sidewalk vendors currently proliferate.

He said the night market will remove the need for vendors to pay grease money to policemen.(MNS)

Sereno has net worth of P18.1-M in 2012 MANILA, July 5 (Mabuhay) – Chief Justice Maria Lourdes P. Aranal Sereno has a net worth of P18.1 million based on her Statement of Assets Liabilities and Net worth for the year 2012.

In her 2012 SALN, Sereno has a net worth of P18,143,104.01.

In 2011, Sereno’s SALN was declared with a net worth of P18.029 million.

This is higher compared to the P17.9 million which was declared in her 2010 SALN. The latest SALN of Sereno covers up

to Dec. 31, 2012.

It appears she has total assets of P19,155,024.89 and total liabilities of P1,011,920.89.

Sereno has stated in her Personal Data Sheet she became a legal counsel from 1994 to 2008 in “Various government agencies—Office of the President, Office of the Solicitor General, Manila International Airport Authority, Dept. of Agriculture, Dept. of Trade and Industry, WTO-AFTA Commission, Philippine Coconut Authority.”

Vatican joins global network against money laundering VATICAN CITY, July 3, 2013 (AFP) – The Vatican on Wednesday said it had joined a global network of government agencies fighting against money laundering, as part of its efforts to reform its scandal-ridden finances.

The move was a recognition of the Vatican’s “systematic efforts in tracking and fighting money laundering,” said Rene Bruelhart, head of the Vatican’s Financial Intelligence Authority.

The Vatican said in a statement that the Egmont Group, which consists of more than 130 national financial intelligence units, had announced the move at a meeting

in South Africa.

Membership of the network “facilitates the exchange of information in the fight against financial crime,” the statement said.

The Vatican is undertaking reforms in an effort to be included on a “white list” of countries combating money laundering compiled by the Organization for Economic Cooperation and Development (OECD) and clean its act.

The Vatican bank, the Institute for Religious Works, is at the centre of a wideranging enquiry by Italian financial police and its director general and his deputy resigned this week.

LAW OFFICES OF LARRY BAUTISTA YANG

BANKRUPTCY WE ARE A DEBT RELIEF AGENCY. WE REPRESENT DEBTORS IN CHAPTER 7, 13, 11 AND 12 OF THE NEW BANKRUPTCY LAW. THIS INCLUDES RELIEF FROM MORTGAGE PAYMENT DEFAULTS AND PRE-FORECLOSURE RELIEF FOR RESIDENCES AND OTHER REAL ESTATE PROPERTIES.

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Have you mortgaged your grandchildren to Mastercard and Visa? Snowed under by a mountain of debt? Worried about losing your home and car? Call me immediately today! Yes, I speak Tagalog. No, I won’t charge you for consultation. I can help you keep your home, car and other personal properties.

I look forward to help you: discharge debts; stop foreclosures; wage garnishments; stop harassments from collectors; stop repossessions.

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MANILA, July 5 (Mabuhay) – New Manila Mayor Joseph Estrada is thinking of increasing property taxes in Manila.

He said the city hall is in dire need of new sources of revenue as its coffers are empty.

Estrada said property taxes in Manila have not been adjusted in the last four to five years. He also said the city government may consider applying for a bank loan.

“The properties have not been assessed for 4-5 years so we have to reassess. In fact, there’s graft and corruption there. It is not transparent and not in the computer, it is manual,” he said.

10 WEST DOWNTOWN LA.

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Balita

OPINION

A message to Washington: There is no room for failure

In the Republican-controlled House, many legislators are positioning themselves to not only resist but also undermine immigration reform. Speaker John Boehner has said that he will not bring a bill to the floor unless a majority of Republicans support it.

Immigration reform has been on hold for more than a decade, leaving 11 million people in a legal limbo.

We strongly urge representatives in Washington to instead work on sensible and humane policy solutions that will resolve the plight of families across this nation.

But for legislators who want to usher a bipartisan reform effort into a minefield of backwards amendments, we remind them of the following. In 2006, immigrants and allies rallied across the country in massive demonstrations. The slgan then was “Today we march, tomorrow we vote.”It was not an empty promise.

The anti-immigrant attacks from the right had grown so hostile that it drove outraged voters to the polls. They helped cast a Democrat in the White House. This trend continued as Republicans moved to be more inclusive in 2012 but failed to offer a real program for immigration reform. The political implications for those who choose to go to the negotiation table in bad faith are clear.

But more importantly than the political consequences, Congress has a moral obligation to children who should not be separated from their parents. It must bring out of the shadows people who stand ready for full integration and to contribute to our nation’s economy as baby boomers age out.

In these weeks, the issue of border security has been allowed to dominate the discourse around reform. We understand that controls at the border are needed. However, the conversation around immigration reform doesn’t begin and end at the border.

And this two-step process that many Republicans are obsessed with - that legalization must be conditioned on a military border complex- is the same delay tactic they have been using for years.

Undocumented persons are willing to pay penalties and meet a host of requirements. But to condemn them to some purgatory in an attempt to seal off the United States from Mexico is a political game because Republicans keep moving the line on what border security means.

We are also aware that Democrats - from President Obama down-promised to deliver comprehensive immigration reform, with a path to legalization and citizenship. This does not translate into an indefinite parking lot for undocumented families until Republicans have all of their items checked off. That’s not compromise - it’s capitulation.

We expect both parties to show leadership for a workable policy solution that sets up immigrants, and in turn, our nation, for success. In the meantime, we stand ready to bring great attention to who leads, and who works against this process.

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For editorial: Have a story tip, letter to the editor or suggestion? Email editor@ balita.com or communitynews@balita.com. Mail your letter to: Editorial Department, Balita Media Inc., 520 East Wilson Ave., Glendale, CA, 91206. Submissions must include full name, mailing address, and contact numbers. All contributions are subject to the paper’s editorial standards. For advertising: Email advertising@balita.com.

Balita Media Inc., the leading source of news and information for the Filipino American community, publishes Weekend Balita circulated in the counties of Los Angeles, Orange, Riverside, and the Inland Empire and US Asian Post. Views and opinion expressed by contributing writers and syndication partners are solely theirs and do not necessarily reflect that of the publishers. All advertising materials are subject to the paper’s editorial standards and discretion.

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Your debt problems and Hosea If you are troubled by debt, think of Hosea. Hosea was a prophet of the one true God, my God, the God of Moses and Israel, whose son Jesus, became man through the Blessed Virgin Mary, to redeem us from the consequences of sin, so that we may have eternal life with Them in paradise. Hosea lived about 700 years before the birth of Jesus and lived in the northern kingdom of Israel. The Israelites have been living in prosperity for some time because Jeroboam II was king and he extended the borders of Israel further than they had been since Solomon’s reign. Tribute money from vassal nations poured into Israel’s treasury and the people became prosperous. But with prosperity, the Israelites again forgot about our God who freed them from slavery in Egypt and fell back into moral and spiritual degradation. Idolatry was rampant as was fornication, adultery, drunkenness, perversion and debauchery. The people were fornicating in the temples that they built for Baal, their god of fertility. Indeed, even human sacrifices were offered to their idols.

So God sent Hosea to tell the people that He was much displeased with them. They had broken the first of the Ten Commandments: “I am the Lord your God. You shall have no other gods before me.” God viewed Israel’s idolatry as spiritual adultery. God considered Israel to be His Wife.

When Israel worshipped other false gods, it is spiritual adultery.

To let Hosea feel the emotional pains of adultery so that Hosea could accurately explain to the people of Israel what they had done to God by their idolatry of the golden cows and Baal, God

BANKRUPTCY

BY ATTY. LAWRENCE YANG told Hosea to marry Gomer who by her nature was an unfaithful woman, a woman who easily gave herself to men for material things.

The LORD said to Hosea, “Go, take to yourself a wife of harlotry and have children of harlotry; for the land commits flagrant harlotry, forsaking the LORD.” You think your debt problems are bothering you? What if you were Hosea and God told you to marry a woman who is known to be unfaithful, a female Tiger Woods, but without the money of Tiger? Your problems are nothing compared to Hosea’s. So Hosea married Gomer and they had two children. After Gomer had their third child, Hosea sensed that Gomer was getting bored at home and that their third child was not his. God told Hosea to name his third child “Lo-ammi” meaning “Not mine.”

Gomer told Hosea, “No wayah I’m staying with you Hosea! I’m moving in with the father of our third child because he gives jewelry that you can’t afford to give meah.” Hosea is heart-broken because he really loves his wife Gomer, just like God loves Israel, even though both are unfaithful and unworthy of being loved.

While Gomer was living in

adultery, Hosea secretly provided her with money, food and clothes. He loved her so despite her adultery. I don’t know how many men can do what Hosea did.

But Hosea finally realized that his secret support of Gomer would not help unless Gomer’s heart changed for the good. He made the difficult decision of stopping to support her.

Without the money from Hosea, her lover eventually sold Gomer into slavery. Gomer has now become skin and bones, with boils and rashes all over her body, her hair full of lice. At her auction sale, nobody bids for her.

Nobody wants such an ugly and sick woman to be their slave. A man offers one wooden penny for her. But Hosea shows up and offers all his money, 15 pieces of silver for Gomer, and Gomer is sold to Hosea, the highest bidder!

Hosea never stopped loving Gomer, no matter what she did and how low she sank, so God never stopped loving Israelites despite their evil ways and turning their backs to Him by worshipping golden cows and pagan gods. God loves us even though we are unworthy of His love!

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally.

Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

F2A Family Category to be current in August Each month, the Department of eligible individuals will be those AMERICAN State (DOS) publishes a Visa Bulgrandfathered under INA §245(i).

DREAM letin listing the cut-off priority date To be grandfathered under INA for each of the various family and §245(i), an individual must have employment-based immigration been a primary or derivative bencategories. The most recently iseficiary of a family or employmentsued Visa Bulletin, effective August based petition filed on or before 1, 2013, sheds great hope to many April 30, 2001, and the primary benstruggling to legalize their status in eficiary must have been physically the United States and/or be reunited present in the US on December 21,

BY ATTY. ALLISON with long separated family members.

2000. If the family or employmentAQUINO-SILVA The cut-off priority date listed based petition was filed on or before on the August 2013 Visa Bulletin January 14, 1998, however, then for the F2A family-based category the physical presence requirement is “C”, or Current. Therefore, starting August 1, does not apply. there will be absolutely no waiting list for the F2A The DOS predicts that the F2A category will category. Relative petitions are classified under the remain current for several months. It will, in all F2A category when the petitioner is a green card likelihood, retrogress at some point so that there will holder and the beneficiary is a spouse or unmarried once again be some type of waiting list. Once this child under age 21. occurs, the ability to immediately file for adjustment For those outside the US, this means that the of status, work permit, and advance parole will no Embassy can proceed with the processing of the longer be available. immigrant visa for those in the F2A category immeIndividuals must therefore ensure that they capidiately upon approval of the I-130 Relative Petition. talize on this rare opportunity.

This will reduce the processing time for issuance of For further information, please schedule an apthe immigrant visa significantly. pointment with Atty. Allison Aquino or Atty. Richard For those already in the US, it will allow certain M. Loew of Aquino & Loew, A Professional Law individuals eligible for F2A classification to file for Corporation; Tel: (888) 797-1140 or (626) 799adjustment of status, along with a work permit and 3089; Email: info@aquinolaw.net; 625 Fair Oaks advance parole travel document.

Avenue, #101, South Pasadena, CA 91030. Please Eligible individuals will be those who are still in also visit Aquino & Loew at www.aquinolaw.net. valid lawful status, such as a B-2 tourist, F-1 student, Aquino & Loew also handles family law and crimiH-1B work, or other nonimmigrant visa. Other nal matters.

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Is immigration reform doomed?

OPINION

Up to Congress if it will keep pork: Palace

Obama says no bill before August recess WASHINGTON, July 17, 2013 (AFP) – U.S. President Barack Obama has added his doubts to deepening gloom over hopes for immigration reform, saying the Republican-led House of Representatives shows no sign of quickly advancing new legislation.

“I don’t think we’re going to see it before the August recess,” Obama told a Denver affiliate of the Telemundo television channel in an interview screened late Tuesday.

“If in fact the House recognized the smart thing, the right thing to do, was to go ahead and send the Senate bill to the floor for a vote, I think it would pass tomorrow,” he said.

The House has balked at approving a bipartisan Senate bill that would beef up border security while providing a pathway to citizenship for 11 million illegal immigrants.

Should the bill ever become law, it would be the most far-reaching immigration reform passed in nearly 30 years.

Supporters of the bill had hoped to rally Republicans behind it after the increasingly powerful Hispanic vote swung against them in the 2012 elections.

But many House Republicans, particularly those from conservative districts with few Hispanic constituents, have rejected the Senate bill as “amnesty” for people they view as law-breakers.

U.S. questions self-defense law after teen killing

BY ROBERT MACPHERSON

WASHINGTON, July 17, 2013 (AFP) – U.S. Attorney General Eric Holder has urged a rethink of “stand-your-ground” self-defense laws following the acquittal of a neighborhood watch volunteer who fatally shot an unarmed black teenager in Florida.

Addressing the National Association for the Advancement of Colored People (NAACP), Holder acknowledged the anger stirred by the racially-laced trial of George Zimmerman, found not guilty Saturday of murdering Trayvon Martin.

“Separate and apart from the case that has drawn the nation’s attention, it’s time to question laws that senselessly expand the concept of self-defense and sow dangerous conflict in our neighborhoods,” Holder said on Tuesday.

“These laws try to fix something that was never broken. There has always been a legal defense for using deadly force if – and the ‘if’ is important – no safe retreat is available.”

Zimmerman’s trial lawyers did not explicitly invoke Florida’s stand-your-ground law, arguing instead that he acted in self-defense in a confrontation with Martin in February last year.

But the case has stirred up controversy around such laws, present in some 30 states, which assert that citizens can use lethal force – rather than retreat – if they sense their lives are threatened, wherever they might be.

The trial’s outcome has reverberated this week with a string of protests around the country and one juror, known as B-37, appearing on television to discuss the case. Four other jurors late Tuesday, however, issued a statement seeking privacy.

Balita w w w. B A L I T A . c o m 520 E. Wilson Ave, Suite 210 Glendale CA 91206

Tel. • 818.552.4503 Fax • 818.550.7635 Publisher

BALITA MEDIA INC. CEO

Luchie Mendoza Allen

Editor

Rhony Laigo Automotive Advertising Manager

Liza Rafallo

Office Manager/Classified Advertising

Lyn Mendoza

Balita

Photographer

Benny Uy Advertising Coordinator

Myra Portez

Circulation Manager

Ronnie Villo

For editorial: Have a story tip, letter to the editor or suggestion? Email editor@ balita.com or communitynews@balita.com. Mail your letter to: Editorial Department, Balita Media Inc., 520 East Wilson Ave., Glendale, CA, 91206. Submissions must include full name, mailing address, and contact numbers. All contributions are subject to the paper’s editorial standards. For advertising: Email advertising@balita.com.

Balita Media Inc., the leading source of news and information for the Filipino American community, publishes Weekend Balita circulated in the counties of Los Angeles, Orange, Riverside, and the Inland Empire and US Asian Post. Views and opinion expressed by contributing writers and syndication partners are solely theirs and do not necessarily reflect that of the publishers. All advertising materials are subject to the paper’s editorial standards and discretion.

They do not necessarily reflect the view of the publishers. All rights reserved. Reprints of materials published in the newspaper should have the explicit permission of Balita Media Inc.

MANILA, July 18 (Mabuhay) – Malacañang said it is up to Congress whether it wants to keep the pork barrel in next year’s budget.

While the P27 billion allotment for the priority development assistance fund (PDAF) has been retained in the 2014 proposed budget, presidential spokesperson Edwin Lacierda said it is Congress that will determine the final outcome of the General Appropriations Act (GAA).

“GAA is a law in itself. Pag pinasa ‘yan, batas ‘yun. Nasa Kongreso po ang desisyon kung ano ang plano po nila. We just submit our budget. The budget goes through a lengthy process

by the House and the Senate to review and question the budget,” Presidential spokesman Edwin Lacierda said.

“It’s going to be submitted to Congress. Now, whatever the final form is will be subject to discussions and deliberations in the House and the Senate. I am not in a position to comment as to what will be the final look of the budget.”

Asked if legislators raising a howl about the pork barrel should just forego their respective PDAF, Lacierda said it is the call of the legislators.

Asked if the NBI launched the investigation on the pork barrel

scam a day after the Office of the President received a letter from Janet Napoles, Lacierda said: “I have asked Secretary Leila de Lima. She said that the timeline is not correct.”

Asked about the statements of Napoles’ lawyers reportedly turning the tables against the Palace after the pork barrel scam broke, Lacierda said: “Understandably, they are trying to confuse the public but again, the President already gave strict instructions to the Secretary of Justice, Leila de Lima – that the NBI should do conduct a full, fair and impartial, as well as exhaustive investigation to the matter.”

San Miguel reaps $400-M in power sale MANILA, July 19, 2013 (AFP) – Philippine conglomerate San Miguel Corp. said Friday it sold part of its minority stake in the country’s main electricity retailer for nearly $400 million.

The Manila Electric Co. share sale gives rapidly diversifying San Miguel extra money to invest in projects where it will have majority control, securities analyst Ian de Leon told AFP. “San Miguel has been planning to raise funds for more investments in capital-intensive areas like infrastructure and power generation,” de Leon told AFP. San Miguel said in a statement

that it raised about 17.37 billion pesos ($399.5 million) from a private placement of 64.33 million shares of Manila Electric, priced at 270 pesos a share.

It did not disclose the identity of the buyers, nor say where the money raised would be used.

A spokeswoman for San Miguel did not respond to a request for comment by AFP. De Leon estimated the share block comprised a six percent stake in Manila Electric, the exclusive retailer of electricity to the nation’s capital and surrounding provinces.

These areas account for more

than half the country’s economic output.

San Miguel and its subsidiaries had built up a stake of around 33 percent in Manila Electric between 2008 and 2009 at 90 pesos a share. However, the group failed to secure management control of the utility, and San Miguel officials have since said they were open to selling it.

Over the next four years Manila Electric’s share price more than tripled, closing at 302.40 pesos on Wednesday. The price dropped to 280.40 pesos in morning trade Thursday as the market adjusted to the share sale news.

Worried about your debts? Think of Sodom & Gomorrah Clients think that their debt there. Then God departed. problems are so serious. But debt When the two angels arrived at BANKRUPTCY problems can be solved with a Sodom that evening, Abraham’s bankruptcy fresh start Chapter 7 nephew, Lot, met them at the city discharge of all debts while debtor gate because Lot and his family is allowed to keep most if not all lived in Sodom. He took the two of his assets, or reorganization of men to his house and fed them. debt with Chapter 13 where a porThen a group of men of the city tion of debt is repaid, or a house surround Lot’s house and said, is saved from foreclosure. If you “Where are the men who came lived in Sodom or Gomorrah at to you tonight? Bring them out to the time it was destroyed by God, us so that we can have sex with

BY ATTY. the God of Moses and Israel, my them.” By custom, the visitors LAWRENCE YANG God, who sent his only Son, Jesus were under Lot’s protection. Lot Christ, to us, to die on the cross, was so infected by the wickedness by being incarnate through the Blessed Virgin Mary, of Sodom that he offered the “village people” his two to redeem us from the consequences of sin so that virgin daughters instead. And you thought the Bible we may spend eternity with Them in paradise, then was boring. Furious, the “village people” rushed up you would have had no recourse but to die and go to to break down the door. hell forever. Then, you have a real problem because The angels struck the rioters blind! Leading Lot, you would be damned in hell for eternity without any his wife, and two daughters by the hand, the angels hope of escape. Those of you who think you are so hurried them out of the city. The angels told them smart that you conclude that there is no God, isn’t that whatever they do, they should not look back, it smarter to think that at least if you believed in the because if they looked back, they would get an “exone true God and Jesus Christ, our Savior, if you treme makeover.” Lot’s wife had always wanted an died and found out that your conclusion that there “extreme makeover” after having two daughters so was no God was wrong, then you would not have she looked back, whereupon she turned into a pillar condemned yourself to hell for eternity because you of salt! There are pillars of salt in Israel and one of thought you were smart. them is named “Lot’s wife’s extreme makeover.”

Three angels visited Abraham, God’s handLot and his two daughters fled to the tiny village picked founder of his chosen nation Israel. They of Zoar. God rained down burning sulfur on Sodom came disguised as men, travelers. Two of them went and Gomorrah, killing all of their inhabitants, and to Sodom and Gomorrah, to observe the wickedness destroying all buildings and vegetation. The Bible in those cities. clearly states that fire and sulfur, or brimstone, The other visitor, who was actually God, stayed rained down “from the Lord out of the heavens.” behind. He revealed to Abraham that he was going This means the heavens opened up pouring down to destroy the cities because of the evil ways of burning sulfur on Sodom & Gomorrah, not spewing their people. The inhabitants of the cities practiced upward from a volcano. No place to hide. all sorts of sexual perversion and sin. Murder, rape, Lawrence Bautista Yang is a graduate of Georgeadultery, fornication, sodomy, robbery, you name town University Law Center and has been in law it; all of the inhabitants did it. The devil reigned in practice for thirty years. He specializes in bankSodom & Gomorrah. ruptcy, business and civil litigation and has handled Abraham began to bargain with God to spare the more than five thousand successful bankruptcy cases cities if there were good people there. First, Abra- in California. He speaks Tagalog and looks forward ham asked if God would spare the cities if 50 good to discussing your case with you personally. Please people lived there and God said yes. Abraham kept call Angie, Barbara or Jess at (626) 284-1142 for an bargaining down, until God agreed not to destroy appointment at 1000 S Fremont Ave Bldg A-1 Suite Sodom & Gomorrah if even ten good people lived 1125 Unit 58 Alhambra, CA 91803.

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Debt problems, think of Noah (Part 2) with Them in paradise, Last week, we disBANKRUPTCY did no such thing. cussed the background It is believed that leading to God’s decifallen angels possessed sion to destroy mankind evil men who then had with a great flood. We relations with ungodly calculated the descenwomen. Or, that these dants of Adam, the first angels assumed human man, before the flood was form and seduced good about 120,000. We also women. This would said that there were illicit mean that angel and hurelations between angels

BY ATTY. LAWRENCE YANG man DNA are almost and human women who similar; otherwise, no gave birth to “Nephilims” children can result by the who were giants. It is the fallen angels who were supporters of Lu- illicit relationships. A horse and a donkey cifer and Satan himself who had relations will produce a mule because their DNAs with human women. The good angels, like are almost similar even though their spethe Arch-angel Gabriel, who remained cies are different.

The Bible states that the “Sons of God” loyal to God, my God, the one true God, the God of Moses and Israel, who sent his only referring to angels, took the daughters Son, Jesus Christ to the world, who will- of men, and had children by them. Their ingly became incarnate through the Blessed children are called Nephilims. Further, if Virgin Mary, and who died on the cross for human women at that time were monkeys, our sins so that we may have eternal life Satan and his fallen angels would think of

some other way to rebel against God. In other words, these bad angels found human women attractive. Thus, humans were created and did not evolve from monkeys.

God placed enmity between Satan and the children of Eve as Satan’s punishment for tempting Eve to convince Adam to eat of the forbidden fruit. God said that Satan would strike at the heel of Eve’s descendant who will crush Satan’s head with His foot.

This is a reference to Jesus who will be victorious over Satan.

Because of God’s decision to punish Satan in this manner, Satan and his horde of fallen angels decided to rebel against this judgment by having illicit relations with human women, so that their offspring, called Nephilims would pollute mankind with wickedness, to lessen the possibility that a human would eventually be victorious over Satan. This strategy worked so well that the 120,000 descendants of Adam and Eve had become so inclined to perversion and wickedness that God became so

August 10-16, 2013

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displeased with mankind that He decided to destroy mankind and particularly to destroy the Nephilims which were abominations created by Satan and his group of bad angels.

Fortunately, Noah was a righteous man who loved God and God decided to save Noah and his family from the great flood.

Indeed, if there was no Noah, we will not exist today because mankind would have been completely obliterated from the face of the earth.

So God said to Noah, “I am going to put an end to all people, for the earth is filled with violence because of them. I am surely going to destroy both them and the earth. So make yourself an ark of cypress wood; make rooms in it and coat it with pitch inside and out. This is how you are to build it: The ark is to be three hundred cubits long (500 ft), fifty cubits wide and thirty cubits high. Make a roof for it, leaving below the roof an opening one cubit high all around. Put a door in the side of the ark and make lower, middle and upper decks. I am going to bring floodwaters on the earth to destroy all life in it. Everything on earth will perish. But I will establish my covenant with you, and you will enter the ark-you and your sons and your wife and your sons’ wives with you. You are to bring into the ark two of all living creatures, male and female, to keep them alive with you…”

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

DAR ordered to comment on claims that land for Luisita farmers cut by over 900 has.

Emcee Maria Sheets, Public Works Dept., 4th from right, with newly-inducted officers of the Los Angeles Filipino Association of City Employees, from left: Norlito Medrano, Graphics & Design; Rea Lazo, Asst. Treasurer; Liza Navarro-Adea, Corresponding Secretary; Terry Carter, Asst. PRO; Veronica Salumbides, Auditor; Criselda Dollano, PRO; Joan Alexandria Tagle, Recording Secretary; Lilia Liclican, 3rd VP; Amelia Marucut, 2nd VP; Linda Granados, President; Susana Reyes, EEO Liaison; Mildred Jacla, Treasurer; Alex Banares, 1st VP; and George Adea, Photography. First Asian and Filipino American City Clerk June Lagmay installed the new officers on July 26, at the LAPD headquarters building on 1st Street.

MANILA, Aug 9 (Mabuhay) – The Supreme Court (SC) asked the Department of Agrarian Reform (DAR) to respond to the allegations of farmer-beneficiaries of Hacienda Luisita in Tarlac that the land to be distributed to them has allegedly been slashed by almost 1,000 hectares.

In a notice of resolution, the high tribunal, sitting in full court, gave the DAR 10 days to file a comment on a motion filed by the Alyansa ng Manggagawa sa Asyenda Luisita (Ambala) in June against the DAR. “The court resolved to...require the adverse party [DAR] to comment within 10 days from notice hereof, on the urgent omnibus motion [filed by Ambala],” said the SC. In November 2011, the SC ordered that the 4,335-hectare hacienda be distributed to some 6,000 farmer tenants, with Hacienda Luisita Inc. being paid a “just compensation” of P40,000 per hectare based on the sugar estate’s value in 1989.

“However, the valuation made by the Land Bank of the Philippines, which has already been submitted to the DAR...shows that only 3,396 hectares, more or less, are to be distributed to the farm workers.

Missing is 938 hectares,” said Ambala in its motion filed Thursday last week.

The farmers also claimed that the valuation placed on the landholdings had gone up from the SC-sanctioned P40,000 to P70,000 per hectare, which would translate to a higher just compensation for HLI. The farmers asked the SC not only to expedite the distribution more than a year and a half after the SC ruling, but also to order the DAR to cover not only 3,396 hectares but the entire 4,335 hectares of the sugar plantation.

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Debt problems, think of Noah (Part 3) We ended last week with God, my God, the God BANKRUPTCY of Moses and Israel, who sent His only Son, Jesus Christ to this world, and through the Blessed Virgin Mary, He became man and willingly died on the cross for our sins, to redeem us from the consequences of sin, so that we may be born again and spend the rest of eternity with Them in paradise, giving instructions to Noah on how to build the Ark. God had decided to destroy all mankind and all life on earth with a great flood because the devil succeeded in polluting men’s hearts and minds to such extent that the Lord

BY ATTY. saw how great the wickedness of the human race had LAWRENCE YANG become on earth. God regretted that He had made human beings on the earth. “I will wipe from the face of the earth the human race I have created, and with them the animals, the birds and the creatures that move along the ground, for I regret that I have made them.� Man blew it big time. Be thankful that you only have debt problems that can be solved by Chapter 7 or 13 bankruptcies. If you were one of Adam & Eve’s

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120,000 descendants at that time, and did not have the good fortune of being part of the immediate family of Noah, you and the rest of your family have been sentenced to death without any hope of parole. You are a dead man walking.

It took Noah and his family 200 years to build the ark. Remember the movie�

2012â€?when the Chinese were tasked with building several state of the art arks for those who have been chosen to survive the great flood of 2012 which some people thought was the end of the world according to the Mayan calendar? The Chinese were not around yet that’s why it took Noah 200 years to build the ark. If the Chinese were around to help, it would have taken Noah a maximum of 2 months to finish the ark. But the animals in the ark would have been turned into Dim-sum. Noah was already 600 years old when the ark was completed. No kidding, because the Bible states that, “By the first day of the first month of Noah’s six-hundredth-first year, the water had dried up from the earth.â€? “For forty days the flood kept coming on the earth, and as the waters increased they lifted the ark high above the earth. The waters rose and increased greatly on the earth, the ark floated on the surface of the water. .. And all the high mountains under the entire heavens were covered. The waters rose and covered the mountains to a depth of more than fifteen cubits (25 ft)â€?. The waters flooded the earth for a hundred and fifty days. “But God remembered Noah and all the wild animals and the livestock that were with him in the ark, and He sent a wind over the earth, and the waters receded. Now the springs of the deep and the floodgates of the heavens had been closed, and the rain had stopped falling from the sky. The water receded steadily from the earth‌ The waters continued to recede until the tenth month, and on the first day of the tenth month the tops of the mountains became visible.â€? And you thought the Bible was boring. On the contrary, it is the greatest story ever told! And the Bible is the single best selling book of all time! It is the word of our God and in it the good news of the Gospel is proclaimed that Jesus Christ, the only Son of our God, died for us on the cross for our sins, and on the third day He resurrected from the dead, by His own power and authority as He said He would do. Jesus is the Son of the one true God. Therefore, all other gods are false.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

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Julpha Campaniano Birthday Bash: Shown at Julpha Campaniano’s (second from left) birthday celebration were: veteran Filipino actor Bert Leroy, Raoul Sanchez, owner of Casa Sanchez, Myrna Aquitania and Getty Suarez.

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Your giant debt problems and David & Goliath Goliath was a Phiall his muscles bulging! listine giant who was 9 That’s a pretty scary sight BANKRUPTCY feet tall. The Philistine for a normal 5-foot-6 solarmy had gathered for dier to behold. No Bruce war against Israel. The Lee, Manny Pacquiao two armies faced each or Stallone who could other. Israel’s army was have kicked Goliath’s ass led by King Saul who among the Israelites. was Israel’s first king but But they had David, the youngest son of Jesse, his life turned to tragedy who sent him to the battle because he did not trust

BY ATTY. lines to bring back news God, my God, the God LAWRENCE YANG of his brothers. David of Moses and Israel, was a teenager, probwho sent to mankind his only Son, Jesus Christ, who became man ably 16 years old. David heard Goliath through the Blessed Virgin Mary and who shouting his daily defiance and he saw the willingly suffered and died on the cross, great fear stirred within the men of Israel. to redeem us from the consequences of “That’s one bad ass nobody should mess sin, so that we may have eternal life with with,” said David to himself. David then them for eternity in paradise because They responded to Goliath shouting “Who is this uncircumcised Philistine that he should love us so.

Goliath came out each day for forty defy the armies of God?” Goliath replies days wearing full armor, mocking and chal- “Even though I am not circumcised, I wash lenging the Israelites to fight. King Saul it every day with the blood of an Israelite!”

So David volunteered to fight Goliath. and the whole army of Israel were terrified of Goliath. Saul was tall and handsome but It took some persuasion, but King Saul he was only 6-ft-1 and he was the tallest finally agreed to let David fight against the among the Israelites. Imagine a 9-foot tall giant. When Goliath saw David, he laughed Arnold Schwarzenneger at his prime with and shouted “I shit bigger than you, Isra-

elite!” Dressed in his simple tunic, white with a blue band tailored by Christian Dior, carrying his shepherd’s staff, slingshot and a pouch full of stones, David approached Goliath. The giant cursed him, hurling threats and insults in French.

David said to Goliath, “You come against me with sword and spear and javelin, but I come against you in the name of the Lord Almighty, the God of the armies of Israel, whom you have defied… today I will give the carcasses of the Philistine army to the birds of the air…and the whole world will know that there is a God in Israel, the one true God… it is not by sword or spear that the Lord saves; for the battle is the Lord’s, and He will give all of you into our hands.”

As Goliath moved in for the kill, David reached into his bag and slung one his stones at Goliath’s head. Finding a hole in the armor, the stone sank into Goliath’s forehead and the giant fell face down to the ground.

David then took Goliath’s sword, killed him and then cut off his head. When the Philistines saw that their hero was dead, they turned and ran. So the Israelites pursued, chasing and killing them and

plundering their camp.

David’s faith in God caused him to look at the giant from a different perspective. Goliath even though he was a giant, was merely a mortal man defying an allpowerful God. David looked at the battle from God’s point of view. If we look at our debts as giant problems and impossible situations, from God’s perspective, we realize that God will fight for us and with us.

Pray to our God and maybe He might tell you that the right solution to your giant debt problems is Chapter 7 or 13 bankruptcy.

Stop for a minute and refocus. You should be able to see the situation from God’s vantage point, just like David who saw Goliath from God’s point of view.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

Asian group calls for immigration relief for all undocumented LOS ANGELES – At this critical moment in our nation’s history, Asian Americans Advancing Justice (Advancing Justice), a national affiliation of civil rights organizations that serves Asian American and Pacific Islander communities, looks to President Barack Obama to lead the nation in fixing our broken immigration system.

The House of Representatives continues to consider draconian, anti-immigrant piecemeal legislation rather than genuine immigration reform and families continue to be separated from their loved ones.

Meanwhile, President Obama has the constitutional authority to move the needle forward by immediately extending the Deferred Action for Childhood Arrivals (DACA) program to the 11 million undocumented immigrants who came to this country seeking a better life for their families.

Since the founding of the United States, immigration policies have reflected the nation’s values – establishing the parameters for inclusion and exclusion from the fabric of our society and who is deemed to be “worthy” of being American.

As a community that was largely barred from U.S. citizenship until the early 1950s, Asian Americans today are the most predominantly immigrant of any racial group in the country. With nearly 1.3 million people who are undocumented, Asian Americans are profoundly impacted by the current discourse – and Congressional logjam – on immigration reform. Action is urgently needed. Every day that passes, eleven hundred people are deported – separated from their homes and families.

The Viriviri family, an undocumented family from Fiji, is just one family that has been torn apart by our immigration policies. Nearly 25 years ago, Samisoni Viriviri came to the United States with his wife and two children fleeing a military coup. His son, a DREAMer, was deported after a traffic stop in 2000. In 2011, ICE (Immigration and Customs Enforcement) agents raided their home, and after detaining his wife for two months in a county jail, the agency deported her.

In 2012, ICE agents raided their home again and detained Viriviri for a month, devastating his two grandchildren. “I came home from school and asked where is Nana. They told me that they took her away. It hurts to have an empty space there. I don’t want that to happen to my grandpa.” said Aliti, Viriviri’s nine-yearold grandchild.

Even though Viriviri qualifies for relief under the Senate immigration reform bill, he faces deportation later this year.

Advancing Justice knows first-hand how the success of the DACA program, implemented one year ago by the Obama Administration, has strengthened our communities and our nation.

Advancing Justice supported the Right to Dream campaign led by undocumented youth who, with their courage and leadership, paved the way for DACA – a common-sense interim solution that allows DREAMers to live without fear of deportation and to obtain work permits.

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Debt problems, think of Noah Most people have him one because the BANKRUPTCY heard of Noah and his title to the house had ark. But why did God, a restriction against the God of Moses and selling houses to a huIsrael, my God, whose man. He went to the only Son Jesus Christ, local bar and ordered willingly became ina “manna beer� but the carnate through the bartender pointed to a Blessed Virgin Mary, sign that said “We do and died on the cross to not serve human.� So, redeem man from the Adam thought that he

BY ATTY. LAWRENCE YANG consequences of sin, should hook up with a so that we may have female angel but was eternal life with Them summarily brushed in paradise, ask Noah to build an ark? off by them. The shortest female angel The remnants of this ark are said to be was 8-foot-nine inches tall, whereas found recently in Mt. Ararat in Turkey. Adam was only 5-foot-eight. “Get You would have to start with Adam, lost Shorty, find somebody your own the first man. God created Adam from size, Shrimp,� was the standard brush clay, in His own image, and with God’s off that Adam got from female angels. breath He gave life to Adam. Adam So God saw that Adam was lonely. was going around in Eden by himself You may have believed that all humans minding his own business and play- were borne from women. Not so. While ing with the animals but the angels Adam slept, God took one of his ribs who were also there in Eden were not and created Eve out of it. So, Eve was friendly with Adam. For one thing, the only human in this world that was Adam did not have wings so he could borne from a man. No doubt the U.S. not fly around with the angels. So, Supreme court found this circumstance the angels were always making fun of that at least one man gave birth to a Adam because he was wingless. Adam human, Eve, to justify their ruling in was ostracized by the angels because favor of same sex marriage last month he was different. Adam applied for effectively redefining the concept of membership in the country club but family back to the time when Adam was rejected because Adam was a gave birth to Eve. member of an “inferior race.� Adam Adam then ate of the fruit which got thirsty and wanted to drink some gave him and Eve, knowledge of good water from the lake but a large neon and evil and that was the fall of man. sign was flashing on top of the lake God banished them from Eden. At that “ANGELS ONLY; HUMAN NOT time, Adam was already 400 years old, ALLOWED!� and Eve was one-year-old. It was the Adam wanted to buy a tract home in very first May and December romance.

Eden but Century One would not sell In Eden, it was buffets galore for

free. No free lunch outside Eden. Adam became a farmer while Eve stayed home and took care of their kids, Cain and Abel. Cain and Abel had their own children, and Adam and Eve continued to have other children until Adam died at the age of 930. Thus, when Adam died, his children had begotten children who had begotten children who had begotten children. Their family reunion had as many people as a Michael Jackson concert!

By the time that Noah lived, it is estimated that the human population had reached 120,000. Some of the angels also were attracted to human females and intermarried with them, producing giants who were at least 8-feet tall.

Move over Shaq and Yao Ming.

But because humans were no longer innocent, their hearts were mostly wicked prone to fornication, adultery, rape, murder, deceit, slander, robbery and other sins. God became displeased with humans and decided to get rid of them with a great flood, except for Noah who was righteous and pleasing to God. Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

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Inherited IRA not exempt in bankruptcy Your father’s last will and testament gives you his IRA of $180,000. He died yesterday. Next week BANKRUPTCY you file for Chapter 7 bankruptcy relief because your credit card debt of $40,000 is too much for you to handle. You inform your lawyer of your inherited IRA. Your lawyer tells you, not to worry, because IRA’s are exempt pursuant to Section 522(b)(3)(C) and (d)(12) which states that “retirement funds to the extent that those funds are in a fund or account that is exempt from taxation under sections 401, 403,408,408A,414,457, or 501(a) of the Internal

BY ATTY. Revenue Code of 1986.” He tells you that IRA’s LAWRENCE YANG meet this requirement. Therefore, your father’s IRA which you inherited is exempt in bankruptcy. The logic seems correct. However, bankruptcy courts are split among the circuits regarding a debtor’s ability to exempt inherited IRA’s.

When a married holder of an IRA dies, his or her spouse inherits the IRA, and can keep it separate or roll it over into his or her own IRA. None of the conditions or attributes of the IRA change as a result of the passing of the IRA from a deceased spouse to the surviving spouse.

It’s a different story when the IRA passes to someone other than a surviving spouse, like from father to son.

In RE CLARK, the debtor inherited her mother’s IRA, which was worth about $300,000. She could not add to it or roll it over into her own IRA. Instead of holding the money for her retirement, the IRS required the debtor to begin taking distributions from the IRA within one year of her mother’s death, and exhaust the account within as little as five years. This is one of the reasons why everyone hates the IRS. Instead of allowing you to keep your parent’s IRA as such, it requires you to use the entire account in 5 years starting year one. They are nasty.

After the debtor and her husband filed for Chapter 7 relief, the bankruptcy court ruled that the inherited IRA was not exempt because it did not constitute “retirement funds” in the debtor’s possession. The court found that “retirement funds” are funds put aside for one’s own retirement. The district court reversed, finding “retirement funds” in the decedent’s hands remain “retirement funds” in the successor’s hands. The 7th Circuit Court of Appeals reversed the district court, and disagreed with the 5th Circuit and the 8th Circuit Bankruptcy Appellate Panel. “Chilton and Nessa give weight to the phrase ‘inherited individual retirement account.’ It includes the word ‘retirement,’ after all. True enough, but the ‘IRA’ part of ‘inherited IRA’ (as the Internal Revenue Code uses the phrase) designates the funds’ source, not the asset’s current status. As we have observed, an inherited IRA does not have the economic attributes of a retirement vehicle, because the money cannot be held in the account until the current owner’s retirement,” the 7th Circuit said. Blame it on the IRS for requiring the exhaustion of the funds within 5 years.

“Chilton and Nessa also give weight to the fact that many of the other exemptions in Section 522 refer to “the debtor’s’ interests, while Section 522(b)(3)(C) and (d)(12) does not. For example Section 422(b)(3)(B) exempts ‘any interest in property in which

Consulate urges PHL food traders to attend Food Safety Act conference Los Angeles, August 28 – Philippine Consul General Ma. Hellen B. De La Vega welcomes the invitation extended by the Port of Los Angeles to hold a roundtable discussion on the proposed rules by the US Food and Drug Administration (FDA) on Foreign Supplier Verification Programs (FSVP) of the Food Safety Act, which should be of interest to Philippine food importers.

The event will be held on 24 September 2013 at the Crowne Plaza Hotel at 601 S. Palos Verdes Street, San Pedro, CA 90731 from 9.30 a.m. to 4:00 p.m.

At this forum, the roundtable will discuss and will be open to suggestions governing: • Concerns with the reliability of FDA inspections of foreign facilities and consistency by third-party auditors/inspectors.

• Thoughts on FDA’s definition of very small importer and supplier and its assumptions on costs related to compliance and record-keeping.

• How to achieve consistency in the product clearance process and US ports and border concerns in general.

• How to achieve consistency in the review of private laboratory packages and requirements of different FDA districts.

• Who is ultimately responsible for compliance in state or municipality owned terminal markets, the state or municipality or the individual wholesaler.

• Concerns about the relationship between foreign facilities and US agents/brokers raising questions about responsibilities and liabilities under the proposed rule.

Philippine Trade Representative, Mr. Jose S. Dinsay, will be present at said event. The Consulate encourages the various Filipino American Chambers of Commerce in Southern California, Filipino business owners, customs brokers and freight forwarders, to attend this roundtable discussion forum, to help shape suggestions beneficial for the Filipino Community. The Consulate is equally delighted to inform the Filipino Community, that a Filipino American from the Port of Los Angeles is assisting us in this endeavor, in the person of Ms. Jean Coronel atjcoronel@portla.org. You may also register at http:// tinyuri.com/TCFDA.

the debtor had, immediately before the commencement of the case, an interest as a tenant by the entirety or joint tenant to the extent such interest…is exempt from process under applicable non-bankruptcy law.’ This sort of language has a temporal effect: what is exempt is the debtor’s tenancy when the bankruptcy begins… A debtor farmer cannot buy new farm implements after filing for bankruptcy and claim the acquisition as exempt.” However, bankruptcy law gives debtors a break by omitting a temporal restriction: new value added to a retirement fund during bankruptcy (an employer may continue to make retirement contributions) is outside creditors’ reach, even though new real property and new farm tools are not.

The 7th Circuit concluded that the question was not closed, and that the bankruptcy court got it right.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

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Worried about debt? Celebrate Advent & the birth of our Lord People in the Christian WOULD BE TOTALcountries celebrate advent LY JACKED. If Jesus BANKRUPTCY and the birth of our Lord did not become human Jesus Christ as Christmas. on Christmas day, then The birth of our Savior is die on the cross for the most significant fact in our sins, we would all the history of mankind. It go down south to hell is truly a joyous occasion when we died. Do you for all mankind. Although know what is in store the exact date of the nafor us in hell? Hell is tivity of our Lord is not a lake of fire, where

BY ATTY. known, what is known is we will burn and sufLAWRENCE YANG that it occurred during the fer for eternity and we last quarter of 2013 B.C. would have to serve the Christians all over the world celebrate it father of all lies, Lucifer. I know that some as December 25th, next Wednesday. Non people do not believe in my God, the God Christians in many countries also celebrate of Elijah, Moses and Israel, like the false it as a festive celebration of gift giving prophets of baal and ashera. They do not without any reference to the birth of our believe either in His one and only beloved Lord. It’s unfortunate that the true mean- Son, Jesus Christ, who willingly became ing of Christmas is lost by references to man and suffered and died on the cross, Santa Claus, his elves and flying reindeers. so that we, you and I, can be saved. Saved The fact is on December 25th Christians from what?

Saved from being damned to hell when celebrate the birth of our Lord and Savior we die, and there suffering intolerable pain Jesus Christ.

Have you ever thought about what for eternity. Instead of going to hell, we would happen if Jesus had not agreed were redeemed by our Lord and Savior, to become human through the Blessed Jesus Christ, by his suffering and death Virgin Mary and He did not agree to suf- on the cross. By His death and resurrecfer and die on the cross for our sins? WE tion, Jesus opened the door for us to enter

heaven and spend the rest of eternity with Him, God the Father, God the Holy Spirit, the Blessed Virgin Mary, all the saints and everyone else who have professed their belief in Jesus and His Father, the one, true and only God. Would you rather spend the rest of eternity burning in hell and being the devil’s poop cleaner, or would you rather spend the rest of eternity having an awesome, fantastic, and joyous time with our God and His beloved Son? The gift of Jesus to us on the day of His Birth is the opportunity to enter and live in heaven for eternity! What a priceless gift from God! We all die. But Jesus died on the cross and resurrected on the third day to prove to us that He is God, that He has power over death, and that through Him, we can all go to heaven! He purchased our freedom from death by shedding His blood.

It is His blood that cleanses us of our sins, that enables us to be with God when we die here on earth. No amount of talent, or good works, or material wealth on our part buys our ticket into paradise and eternal life. You can be the richest man in the world and you can give all your money to the poor. That does not give you entry into heaven. It is Jesus, His death and resurrection that redeems us. You can spend your

entire life helping the poor in India, like Mother Theresa, but if you do not believe in Jesus, you cannot go to heaven. Sorry it doesn’t work that way. You can meditate your whole life in Tibet; it will not buy you a ticket to heaven.

Advent from the Latin word “Adventus” means “Coming to.” Christians celebrate the season encompassing the 4 Sundays and weekdays, leading to the celebration of the birth of Jesus Christ, Christmas day.

It is a time of preparation of our hearts and minds to the birth of our Lord and Savior.

The final days of advent are December 17 to December 24, and we focus on our preparations for the celebration of the nativity of our Lord. Blessed be the name of our Lord and Savior, Jesus Christ!

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

RITUAL OF THE DEAD From page 1

Mostly impoverished and despite the heavy burden and the crushing emotional toll of their recent loss, Virginia and her husband Dioscoro Sr., 58, are trying to pick up what remained of their broken lives, splinter by splinter, one day at a time. They were even resilient enough to build a ramshackle hut made out of washed logs and flown aluminum sheets from the typhoon debris a few days after the typhoon to replace their nipa hut blown away by Yolanda in Barangay Naga-Naga here. “ I constantly think about my boy,” said Dioscoro Sr. as he started his daily job as a pedicab driver. “But we need to go on living,” he said.

As the nation prepares for Christmas by celebrating the traditional Misa de Gallo, Yolanda survivors and relatives of the more than 6,000 victims will instead hold subdued and simple commemorations of masses in damaged churches and nine-day novenas in roofless houses here on Nov. 18 to mark the 40th day since most of the victims died.

In Catholic tradition, the forty-day countdown marks the human parallel of the mystical journey of Jesus Christ from his death by crucifixion on Good Friday to his resurrection from the dead on Easter Sunday.

It is also widely believed in this country of 76 million Catholics that the souls roam the earth for 40 days before they get accepted into heaven, hell or purgatory.

In nearby Barangay Sta. Cruz, Princess Cobacha spruced up her family’s altar underneath a tinseled banner that read “Merry Christmas.” The austere holiday décor belie the tragedy and grief still felt by her family here. The 16-year-old street vendor planted candles and leis of Sampaguitas in honor of her dead aunt Grace Cobacha, 47, who drowned at the port area in Tacloban City at the height of the storm surges.

“Auntie Grace was everything to us. She was paying for all our school expenses,’’ said Princess who was with her aunt selling barbecues when the giant waves struck.

She almost drowned from a life-threatening leg wound but she was saved by a couple of teenage boys who brought her to a hospital in Tacloban for treatment.

“This is my second life. And I am thank-

ful for it,” she said, showing a faint smile.

Archbishop John Du of the Archdiocese of Palo has asked that the families of the dead and the survivors be given preferential treatment in the scheduling of masses and communal prayers throughout the 76 parishes in Leyte and Samar under his jurisdiction.

On a personal note, this reporter will also honor the dead in his family – a cousin Teodosia Acebedo, 64, and Francisco Sevilla, the six-month-old son of my wife’s nephew Radi Sevilla. Known as Baby Kiko, our clan’s little angel drowned in Barangay Cogon here. Two other victims in our family were Glenda Montejo,50, and her granddaughter Gabrielle Alexa Montejo, 4.

“We are all victims here! No one is not affected here,’’ said security guard Cris Cobacha, 50. Cobacha lost his sister Grace but his daughter Princess survived.

Back in Barangay Naga-Naga, Virginia and Dioscoro Sr. are planning a humble feast, mindful of the Christmas atmosphere slowly enveloping the rest of the country. They plan to have fried chicken and vegetables on Nov. 18 to mark the 40th day ritual for his dear departed son and his family.

“We are very poor. But we will try to have something for them,” Virginia said When Manila Archbishop Luis Antonio Cardinal Tagle visited this town last Nov. 28 to close the 75th Jubilee of the Palo Archdiocese, he declared boldly that with the death and destruction surrounding this town, Palo has suddenly become the moral center of the universal church.

Gazing at a brooding sky through a roofless Palo Cathedral, the Manila prelate said: “We are all standing on hallowed ground here. And we should all be thankful to God for it.”

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Celebrate the birth of our Lord and forget about your debt problems This past Wednesbecause we are merely huday the whole Chrisman. Only God can restore BANKRUPTCY tian world celebrated the broken relationship. But the birth of our Lord God so loved us that He reand Savior, Jesus quested his one and only beChrist. This is the loved Son, Jesus to restore day 2013 years ago the broken relationship by when the son of God, becoming man and dying the one the one true for mankind on the cross so God, Yahweh, bethat the broken relationship came a human being, could be restored.

BY ATTY. through the Blessed So, when Jesus was LAWRENCE YANG Virgin Mary. The son born on Christmas day, He of God, Jesus, was agreed to become man, and born in Bethlehem, in a manger. A star in agreed to fulfill the mission of restoring our the heavens showed down to earth on the broken relationship with God, by dying exact spot where Jesus was being born, like for us on the cross, to redeem us from the a spotlight, to show mankind that Jesus is consequences of sin. How great God’s love indeed the Son of God. Angels came from for man is He sent His only Son to die for heaven and knelt before the baby Jesus to us. And how great the love of His Son’s glorify Him and to attest to the truth of His love for man is that He willingly suffered divinity. Three kings from Asia traveled and died for us on the cross! Praise and from far-away lands following the guiding Glory to God the Father, God the Son and star in the heavens to the lowly manger God the Holy Spirit. Blessed be the Name in Bethlehem, and they knelt before the of our Lord! baby Jesus, worshipping Him as the King Is Christ the family name of Jesus? This of Kings. The birth of Jesus Christ is the is a valid question. No, in Hebrew, Christ single most important event in the history means the Anointed One, the Messiah, and of mankind because in this event God the Savior. Jesus in Hebrew means “God became man. saves.” The other names and titles by which Why did God become man? Because Jesus is known are: the relationship between God and man was Emmanuel: meaning “God is with us”. destroyed by sin, the original sin of Adam The angel Gabriel appeared to the Blessed and Eve when they ate of the forbidden Virgin Mary that “you shall conceive fruit in Paradise. And only the Son of God and bear a son, and his name shall be has the standing before God to restore that “Emmanuel” (Matt.1:23). But why was broken relationship. The entire human race He called Jesus instead of Emmanuel? can commit hara-kiri to restore our broken Because Emmanuel does not refer to the relationship with God and that would be actual name of Jesus, it is a descriptive insufficient to restore the relationship reference of the role of Jesus. Just like

LERNER and Naturalization Law. You can go online to www.californiaimmigration.us and get a free consultation or call us at 800.819.0149 or at (562) 495-0554 for an in-person office consultation.

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Amazon to compensate customers for late gifts NEW YORK, December 26, 2013 (AFP) – Amazon Thursday said it would give $20 gift cards and pay shipping costs for customers affected by problems at UPS and FedEx that delayed some Christmas package deliveries.

The Amazon pledge came after UPS in particular came under fire for late packages despite vows from retailers to meet a December 25 deadline.

Some customers took to Twitter to voice their displeasure, likening one or both delivery giants to the “Grinch who stole Christmas.”

Amazon pointed the finger squarely at the delivery companies. The online retail giant did not give estimates for the number of affected shoppers.

“Amazon fulfillment centers processed and tendered customer orders to delivery carriers on time for holiday delivery,” said Amazon spokeswoman Mary Osako.

“We are reviewing the performance of the delivery carriers.”

Walmart also will provide gift cards to customers who did not receive packages

by the promised deadline, the New York Times reported.

Walmart did not immediately respond to a request for comment.

“UPS experienced heavy holiday volume and is making every effort to get packages to their destination as quickly as possible,” UPS said on its website. “UPS has resumed normally scheduled service on December 26.”

A FedEx spokesperson also reported a “surge” in volume, but said the rise was typical. “We had minimal service disruptions despite the increase in volumes, and are working directly with customers who may have experienced any delays,” said the FedEx spokesperson.

The delivery woes suggested the retail sector is still adjusting to shifting customer behavior with the rise of online shopping.

Analysts had expected brick and mortar shopping to rise just 3-4 percent in 2013, but online shopping to jump 13-14 percent.

More retailers have promised to execute Christmas-deadline deliveries ordered later and later in the season.

the house by paying off the outstanding balance of the loan. This is called “redeeming” the house that was foreclosed.

Son of God: meaning literally that Jesus is the Son of God, the one true God, my God, the God of Elijah, Moses and Israel.

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From page 14

situation and to devise a coherent plan to get you back to the United States.

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calling General Dwight D. Eisenhower, “the Supreme Commander” of all allied forces in Europe against Hitler, or Dr. Sun Yat Sen as the “Father of the Republic of China,” or St. Lorenzo Ruiz, as “the first Filipino saint.”

Lamb of God: meaning Jesus agreed to become the sacrificial lamb who shed His blood and died on the cross to rectify the broken relationship between God and man.

Redeemer: meaning Jesus gave his life to buy back the good relationship between God and man. You can compare this to a house after it is foreclosed. In some states, the law proved a time period, say six months from the date of foreclosure, called the “redemption period,” when the previous owner of the house can buy back

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OPINION Int’l media group pushes preemptive action vs media killings in PHL MANILA, Dec 4 (Mabuhay) – Following the killing of a radio host in Bukidnon last Nov. 29, an international media watchdog group called on the Philippine government to take “preemptive” action against media killings.

Reporters Without Borders (or RSF) said that while it welcomes the creation of a task force to probe the killing of Joash Dignos, authorities must take preventive security measures when a journalist is threatened.

“We hail the creation of a special task group to catch the perpetrators and instigators of this murder, but the authorities must act preemptively to end violence against journalists. Dignos had been threatened for some time and should have had protection. A special task group could have been created after the first threats. Execution-style killings of journalists should not be regarded as inevitable,” the group said.

Dignos was gunned down on Nov. 29 in Valencia City.

RSF cited reports indicating that when Dignos went to the toilet, four unidentified men gunned him down and then left on motorcycles.

It added Dignos, 48, hosted a show called Bombardier on dxGT Radio Abante.

He had criticized authorities on his radio program and had received death threats.

“We offer our heartfelt condolences to the family and friends of Dignos, whose murder has again highlighted the dangers to which journalists are exposed in the Philippines,” RSF said.

It lamented the killing came about a week after the fourth anniversary of the Nov. 23, 2009 Maguindanao massacre.

“Coming six days after the anniversary of the 2009 massacre of 32 journalists in nearby Maguindanao, now commemorated as International Day to End Impunity, the murder shows that the Philippine authorities still have a great deal to do to fulfill their duty to protect journalists and combat the continuing impunity,” RSF said.

The RSF also noted a grenade was thrown at the radio station while Dignos’ program was being broadcast last June.

It added the manner of the murder was similar to that of radio journalist Jesus Tabanao, who was shot five times by a man on a motorcycle in Cebu City on Sept. 14.

The RSF noted the Philippines is 140th out of 179 countries in the 2013 Reporters Without Borders press freedom index. (MNS)

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Income tax refunds is property of bankruptcy estate unless exempt Let’s say that you decide to file So, as soon as you get that money for Chapter 7 relief this month to from Uncle Sam, cut me a check BANKRUPTCY discharge $100,000 of hospital for $9,166” the trustee says to you. bills and credit card debt. You Is it too late to save your refund? anticipate that you will have No. You can still save it. Your an income tax refund claim of lawyer is going to tell the trustee $10,000. What is the bankruptcy that he is going to amend schedule treatment of this refund? If your B to show the expected refund and Chapter 7 case is filed before you C to exempt the money so that the file your 2013 tax returns, the trustee will back off. But mind entire $10,000 becomes a receivyou, your lawyer can only take

BY ATTY. able which is one of your personal this course of action if you still LAWRENCE YANG assets, just like a car. Your schedhave an applicable exemption. If ule B must disclose the $10,000 you do not have an exemption to as an expected income tax refund. If you want to use, you will have to pay the trustee $9,166 when keep the $10,000, and I presume that you do, you you receive your refund. must exempt the entire $10,000 in schedule C. If What if you argue that you filed a joint tax return you do not exempt the $10,000, you must give the with your wife who has not filed a joint bankruptcy $10,000 to the Chapter 7 trustee when you receive with you and that your income for the entire year of the refund from the IRS. But given the fact that 2012 was only $500? There was no federal income the USA is bankrupt, you might as well kiss your tax withheld from your income. This is a valid refund goodbye. argument because if you had practically no income If you are not able to exempt the $10,000 as a for 2012, all of the refund actually belongs to your receivable this month, you might consider delaying wife. State law defines the nature and extent of your Chapter 7 filing until after you file your tax a debtor’s interest in property. So whether or not returns and actually receive the $10,000. When you this argument will hold water depends on where receive the $10,000, you can use that money for the you reside. If you live here in California which is mortgage and other household expenses. In other a community property state, your wife’s refund is words, use it up so that it is no longer a receivable community property, so the refund also belongs to or an asset. Or, you can use the $10,000 to buy a life you as community property. In California, the fact insurance with cash value of the same amount and that you earned nothing for 2012 is irrelevant, unless use the applicable exemption of Section 703.140(b) you have a prenuptial agreement. If you have a pre(8). These steps are pre bankruptcy planning activi- nuptial agreement, the $10,000 belongs to your wife ties which are allowed by bankruptcy law. as her separate property and so the trustee cannot But what if you filed your Chapter 7 petition take it. If you do not live in a community property on December 1, 2012 and you forgot that you had state, like Indiana, your wife will keep the refund. a $10,000 refund for 2012? Your 341 A hearing is Lawrence Bautista Yang is a graduate of Georgetomorrow. At the hearing, the Chapter 7 trustee asks town University Law Center and has been in law you if you expect a tax refund for 2012. You scratch practice for thirty years. He specializes in bankyour head and finally say “yeah, I think a have a ruptcy, business and civil litigation and has handled little bit coming in.” The trustee presses you further more than five thousand successful bankruptcy cases “how much is a little bit?” “Just a little $10,000” in California. He speaks Tagalog and looks forward you manage to whisper out with tears streaming to discussing your case with you personally. Please down your cheeks. “Did you say $10,000? Well, call Angie, Barbara or Jess at (626) 284-1142 for an I own 91.66% of that $10,000 because that refund appointment at 1000 S Fremont Ave Bldg A-1 Suite corresponds to 11 months of your income in 2012. 1125 Unit 58 Alhambra, CA 91803.

Aquino to help Myanmar’s move to democracy MANILA, December 5, 2013 (AFP) – Philippine President Benigno Aquino lauded democratic reforms in Myanmar as he signed several bilateral agreements with his visiting counterpart Thein Sein Thursday.

Thein Sein arrived at Manila’s presidential palace where he was accorded a red carpet welcome for his first visit to the Philippines.

Aquino said the Philippines, which also made a transition from authoritarian rule to democracy in the 1980s, would be helping Myanmar in opening up its society.

Formerly one of the most vocal critics within ASEAN of Yangon’s ruling junta, Aquino praised recent “historic developments” in Myanmar which include the holding of elections, release of political prisoners, dialogue with the opposition and opening up to foreign investment.

“These herald a new chapter in Myanmar’s history. The Philippines supports these initiatives and offered assistance through capacity building, through technical cooperation,” said Aquino after a meeting with Thein Sein.

The Philippines has offered to help Myanmar establish its human rights commission and training in areas like agriculture, entrepreneurship, fisheries, eco-tourism and “gender issues,” Aquino said.

The two presidents also discussed peace efforts with rebel groups in their respective countries, Aquino said, adding that the Philippines would be appointing a resident defense attaché to further cooperation.

The leaders also oversaw the signing of several agreements including one that will allow Filipinos to enter Myanmar without a visa and another that will expand cooperation in renewable energy.

Aquino thanked Myanmar for the aid it provided after Super Typhoon Haiyan hit the Philippines last month, flattening whole towns and leaving more than 7,500 dead or missing.

Thein Sein, who will be bringing doctors and relief goods to typhoon-hit areas during his visit, said the damage suffered by Myanmar during the 2008 cyclone, made the country more aware of the suffering of the victims of such disasters.

The Myanmar leader, who is on a three-day state visit, said he asked Aquino to help his country in areas like “health, education, economy and human resource development”, because it was lagging behind in these areas due to years of economic sanctions.

He also said “there have never been any issues between Myanmar and the Philippines”, despite Aquino’s previous criticism of the junta.

Thein Sein arrived in Manila on Wednesday and will return home on Friday after visiting the typhoon-stricken areas.

Myanmar and the Philippines are both members of ASEAN, the Association of Southeast Asian Nations. Myanmar has undergone a series of reforms in recent years, including the release of opposition leader Aung San Suu Kyi from years of house arrest and her election to parliament in by-elections held last year.

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Is lover’s claim dischargeable?

BEIJING, December 31, 2013 (AFP) – First he handed out cash to victims of China’s 2008 earthquake. Then he sold “canned fresh air” to residents of smogridden Beijing.

Now Chen Guangbiao, listed as one of China’s 400 richest people and a man known as much for his publicity stunts as his wealth, claims he is in talks to buy the New York Times.

“Soon, I will go to America to do three things,” Chen told a crowd Monday night at a news media award reception in the southern Chinese boom town of Shenzhen, according to the semi-official China News Service.

The first, he said, “is to go discuss the acquisition of the New York Times”.

Asked later to elaborate on his plans, Chen simply told reporters “the negotiation is currently underway”.

However, the publisher of the New York Times has previously denied it is up for sale.

“After a week in which both The Boston Globe and The Washington Post were purchased by new owners, the publisher of New York Times emphatically declared... that the publication was not for sale,” the paper reported Arthur Sulzberger, who is also chairman of The New York Times Company, as saying in a statement in August.

Chen built his fortune, estimated at five billion yuan ($825 million) by Chinese wealth publisher the Hurun Report, on a recycling company, Huangpu Renewable Resources Utilisation Group, but he has been derided by critics as a publicity hound who will go to great lengths for attention.

After anti-Japanese protests erupted in cities across China last year, Chen spent nearly $800,000 on dozens of Chinesemade cars to give to people whose Japanese-brand cars were damaged.

Days ago, he posed in front of a wall made out of thousands of “bricks” made of banknotes.

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Sometimes one lover plaintiff got scammed. takes advantage of the When the relationship BANKRUPTCY other lover by borrowsoured, plaintiff asked ing money that is not for full payment of the repaid. For example, $110,000. Debtor paid John and Mary are in a back $25,000 and left the relationship. They think balance unpaid. Plaintiff that they are in love sued debtor in state court with each other. John and obtained a judgment wants to invest in the for $210,000 because the stock market because $110,000 check bounced

BY ATTY. all the stock market inand the court found that LAWRENCE YANG dexes are up over 25% debtor violated the state’s this year. In fact the ‘bad check’ law and Russell 2000 small cap index is up 40% awarded the plaintiff double the amount this year. Mary has been working as a regis- of the check plus $15,000 in attorney’s tered nurse for the last 15 years, working 3 fees minus the $25,000 payment for a total jobs, and was able to stash away $120,000 of $210,000. Debtor filed for Chapter 7 of savings in her 401K. John finds out bankruptcy relief. about Mary’s 401K and convinces Mary Plaintiff filed an adversary complaint to borrow $60,000 from that account so asking the bankruptcy court to have her that he can invest it in various stocks. John ‘lover’s claim’ excepted from discharge. promises to pay Mary back in 6 months in The court found that the debtor intenfull plus 10% interest. Unfortunately, John tionally misrepresented his real estate holdis a bad stock picker and all of the stocks ings in an effort to convince the plaintiff to that he bought are now worthless. John loan him the money. Debtor did not own decides to file for Chapter 7 bankruptcy the rental properties, but collected the rent relief and includes the $60,000 that he for his uncle, the owner. Plaintiff said she owes to Mary for discharge. Is the $60,000 would not have loaned the money to debtor dischargeable? if she had known that he did not own the In Re Duhon, plaintiff lent $110,000 rental properties. She said she was blinded to the debtor believing his story that he by love. needed cash because his money was tied The court ruled that the plaintiff’s claim up with real estate. Debtor told plaintiff, his for the amount of the loan minus the payex-girlfriend, that he owned several rental ment was non-dischargeable pursuant to properties. However, the truth was that § 523(a)(2)(A). That section states that a debtor did not own any real estate. debt arising from “false pretenses, a false Plaintiff and debtor were in love. They representation, or actual fraud, other than talked of buying a house together and get- a statement respecting the debtor’s or an ting married. Plaintiff has saved $110,000 insider’s financial condition…” is not to buy a house. She agreed to loan the dischargeable. money to the debtor to fund his day-trading However, the court found that the state of stocks. The loan was to be repaid in 3 court judgment was discharged because months. The plaintiff said she trusted the the undated check was only to be cashed debtor, who told her that all his money was if something happened to the debtor and tied up in rental properties and promised to it was written at a point in time when the use the money he made from day-trading parties agreed that the debtor did not have to buy their first home together. Ah, true the funds to cover it. love where the lover can do no wrong. The Lawrence Bautista Yang is a graduate plaintiff said she accompanied the debtor of Georgetown University Law Center and when he collected rent payments, and be- has been in law practice for thirty years. lieved the debtor when he said he owned He specializes in bankruptcy, business and the properties. In fact, the properties were civil litigation and has handled more than owned by debtor’s uncle, the Maharajah of five thousand successful bankruptcy cases Jaipur. To secure the loan, the debtor gave in California. He speaks Tagalog and plaintiff a second mortgage on his home, a looks forward to discussing your case with mobile home in the Ozarks, worth $5,000, you personally. Please call Angie, Barbara named her as beneficiary of a $150,000 or Jess at (626) 284-1142 for an appointterm life insurance policy, and gave her ment at 1000 S Fremont Ave, Mailstop 58, an undated check for $110,000. In short, Bldg A-1 Suite 1125, Alhambra, CA 91803.

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Debt problems, think of lot & his daughters Last week, we talked and who willingly died BANKRUPTCY about the destruction of on the cross to atone the cities of Sodom & for our sins because He Gomorrah by burning loved us so much, so that sulfur that rained from we can have eternal life the heavens. If you go to with Them in heaven, Israel today, it is said that told Abraham, his handthese two cities were lopicked founder of his cated at the south western chosen nation, Israel that tip of the Dead Sea which He was going to destroy is now a limestone and Sodom & Gomorrah

BY ATTY. LAWRENCE YANG salt hill because of what because their inhabithappened. ants were depraved and wicked. Abraham asked God, my God, the God of Moses and Israel, who sent His the Lord if he would spare the cities if there only Son, Jesus Christ who became in- were even ten good people who lived there carnate through the Blessed Virgin Mary, and the Lord agreed before He departed.

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Lot was Abraham’s nephew who lived in Sodom. Two angels visited Lot and led Lot and his wife and two daughters out of Sodom warning them that they should not look back. Lot’s wife looked back and was turned into a pillar of salt. Lot and his daughters fled to a tiny village called Zoar where they lived in a cave. This was probably a two-donkey village with a dozen people where people lived in caves, like the Flintstones.

There were no eligible bachelors in Zoar. Fearing that they would no longer have men in the family because Lot was getting old, the older daughter of Lot told the younger daughter that she would get her father drunk at night and lay with him so that she could get pregnant. The next day, the older daughter told the younger daughter that it was her turn to get their father drunk.

The same thing happened. By this method, both daughters got pregnant.

Whatever their justification, perhaps even survival of their family, I wish to say that, what Lot’s daughters did was morally and terribly wrong. Incest cannot be justified under any circumstance. But since Lot and his daughters had lived in Sodom for some time, perversion and depravity had infected them. If you recall, Lot even offered his two virgin daughters to the village people who demanded that Lot release the two angels who had assumed the form of men to them so that they may have sex with them.

The Bible says that Lot was so drunk that he did not know what he did. This is akin to the plea of insanity when one is charged with murder. Lot is acquitted of being guilty of incest with his two daughters because he was so drunk that he had

no consciousness whatsoever of what he was doing. But what strikes me as unusual is that both of his sons with his daughters, who are also his grandsons, turned out to be normal, not retarded. The older daughter gave birth to a son whom she called Moab who became the progenitor of the Moabites. And the younger daughter gave birth to a son whom she called Ben Ammi who became the progenitor of the Ammonites. The descendants of the Moabites and Ammonites still live today in central Jordan.

Despite the fact that two angels had to drag Lot and his two daughters out of Sodom, meaning they did not really want to leave because they had become perverted themselves having immersed themselves in the wicked activities of sin city, the Moabites and the Ammonites worshipped the false god Chemosh, a detestable concoction with the head of a bull the body of a man with outstretched arms. Outstretched arms to receive the children who are offered as a living sacrifice to him!

Be thankful that you are not Lot or his daughters and that you only have debt problems that can be solved by Chapter 7 or 13.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

30

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Worried about debt? Think of Jonah and the Whale The Bible has a strange story about a man being swallowed up by a whale. This

man is Jonah. God, my God, the God of Moses and Israel, who sent His only and

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BANKRUPTCY

beloved Son, Jesus Christ to us, and who became man through the Blessed Virgin Mary, and who willingly suffered and died on the cross to redeem us from the consequences of sin, so that we may have eternal life with Them in heaven, speaks to Jonah. God commands Jonah to preach repentance to the city of Niniveh. Jonah found this order unbearable because not only was Niniveh known for its wickedness,

BY ATTY. but it was also the capital of Assyria, one of Israel’s LAWRENCE YANG fiercest enemies. Jonah did the opposite of what he was told. He went down to the seaport of Joppa and bought a ticket to Tarshish which is 4,000 storm. But when they pulled Jonah up the miles in the opposite direction of Niniveh. storm started again. After doing this several times, they tossed Jonah into the sea and He “ran away from the Lord.”

In response, God sent a violent storm in the water immediately grew calmer. The the magnitude of Haiyan or Yolanda which crew made a sacrifice to Jonah’s God, destroyed the city of Tacloban in the Phil- my God, and they were all converted to ippines last week. The storm threatened to worship Him as the one true God after break the ship to pieces. The terrified crew witnessing how God literally switched the asked each other who among them had storm on and off.

Instead of drowning, Jonah was swalwronged his God that they should be in the center of a horrible storm. Jonah admitted lowed by a great fish which God provided. that he was running away from his God. So, This could have been a whale or an oarfish. they tied him up and lowered him down to An 18 foot oarfish was recently found dead the sea. As Jonah’s feet touched the water, in the shores of Santa Monica, California. the storm stopped! The crew thought that While Jonah was in the belly of the whale maybe this was good enough to stop the or oarfish, the digestive juice of the fish was bleaching Jonah’s body, hair and clothes a ghostly white. Jonah cried out “man, it stinks in here!” But Jonah also repented and cried out to God in prayer, praising God, ending his prayer with the prophetic statement that “salvation” comes from the Lord.

God commanded the whale and it vomited the reluctant prophet onto dry land.

Jonah looked like a ghost. His hair, body and clothes were all bleached white after 3 days in the belly of the fish. He looked like a human marshmallow walking through the streets of Niniveh proclaiming that in 40 days, the city would be destroyed.

Surprisingly, the Ninivites believed Jonah’s message and repented, wearing sackcloth and covering themselves in ashes.

From this story of Jonah, we can see that God commands everything in His creation, from the weather to the whale, to carry out his plan for us. God is in control. Thus, your debt problems are under His control. He has a plan to get you out of your debt problems so that you can be productive again. It may be a Chapter 7 or 13 bankruptcy. It’s really not important whether a whale or an oarfish or even a giant squid that swallowed Jonah. The point of the story is that God can provide a supernatural means when his people are in trouble. Jonah thought that he knew better than God by running away 4,000 miles in the opposite direction of Niniveh, but in the end, the Lord’s mercy and forgiveness extends beyond Jonah and Israel, to all people who repent and believe that He is the one true God, and that nobody gets to Him, except through His one and only beloved Son, Jesus Christ who is the way the truth and the life. There is no other way to eternal life.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

Balita The leading source of News and Information for the Filipino American Community

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Don’t be weighed down by debt problems. Plug yourself to ultimate power It is hard to imagine why you should not worry about your debt problems, right?

Probably everyone reading this article thinks that the right thing to do if you have debt problems is to worry about them, as if worrying does anything to correct the problem. “I have a lot of debt. I can’t pay them anymore. I can’t sleep because I worry about my debt.� I have heard this refrain so many times in my practice. Clients tell me this all the time. Today, I will probably hear this 3 or 4 times. Here’s a new one I was told yesterday: I was walking on the sidewalk. I was so worried thinking about my debts I did not see there was another step. I tripped and fell on my face on the cement.

Worrying about your debt problems can

literally kill you! Here’s yet another one I was told recently: I forgot to turn off my car because I was worried about my debt.

So, the first thing you should do when you have debt problems is don’t stress over them. Don’t worry about them. What’s the next thing you should do? Go to God and Jesus, my God, the God of Moses and Israel, who sent His only and beloved Son, Jesus Christ, to us, became man through the Blessed Virgin Mary, and who willingly suffered and died on the cross for us because He loved us so, to redeem us from the consequences of sin, so that we may have eternal live with Them in heaven.

2 Corinthians 4:16: We do not lose heart. Though our outer self is wasting

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away, our inner self is we can do is worry about being renewed day by our problems. We have to BANKRUPTCY day. Yet I am always with plug ourselves into the you; you hold me by my ultimate power source to right hand. You guide get renewed.

And who is the ultimate me with your counsel, power source in the uniand afterward you will verse? Who else but God take me into glory. Psalm Almighty, YAHWEH, and 73:23. What do these His Son, Jesus! He created truths mean? They mean the entire universe! Can that you are being reyou even imagine that newed day by day. So do

BY ATTY. kind of power? It’s beyond not be weighed down by LAWRENCE YANG imagination. He created yesterday’s failures and the earth and everything disappointments. Do not be weighted down by your debt problems. on it. He created us. The seas, the mountains, Begin this day anew, seeking to please the plants, the flowers, the elephants, the liJesus and His Father. Focus on them right ons, all the animals, the dolphins, the whales, now. Because when you do that, they will every living thing on this earth, He created transform you and your journey through them by merely thinking about them.

Jesus said “I am the way, the truth and life. Your journey filled with problems, pain and worries will be transformed into a the life. No one comes to the Father except journey full of Joy and Peace because they through me. Go to Jesus. He will bring you to His Father, the ultimate power in the Uniare with you each step of the way!

We cannot renew ourselves from our verse. That is how you renew yourself and own efforts. You can try all kinds of that is how you plug yourself into infinite meditation techniques. These will provide power.

Lawrence Bautista Yang is a graduate you superficial, false and temporary sense of peace. To be truly renewed, we have of Georgetown University Law Center and to have to walk with Jesus and God the has been in law practice for thirty years.

Father and be renewed by their power. He specializes in bankruptcy, business and You know how your cell phone batteries civil litigation and has handled more than are recharged. You have to plug them into five thousand successful bankruptcy cases an electrical outlet. That outlet in turn re- in California. He speaks Tagalog and ceives its power from an electrical grid that looks forward to discussing your case with distributes electricity from a huge power you personally. Please call Angie, Barbara generator. Your cell phone has no ability to or Jess at (626) 284-1142 for an appointregenerate itself. It’s the same with us. We ment at 1000 S Fremont Ave, Mailstop 58, have no power to regenerate ourselves. All Bldg A-1 Suite 1125, Alhambra, CA 91803.

SAYAS (1) Requesting more or different documents than are required by law, or refusing to honor required documents provided that reasonably appear to be genuine.

(2) Misusing the federal E-Verify system to check the employment authorization status of a person.

(3) Threatening to file or filing a false police report.

(4) Threatening to contact or contacting immigration authorities.

If an employer engages in an unfair immigration-related practice against an employee within 90 days of the employee’s exercise of rights protected under the law, the employer is presumed to have done so in retaliation for the exercise of those rights, unless the employer can prove otherwise.

Employees who experience illegal immigration -related practices may be entitled to reinstatement and reimbursement for lost wages and any damages or penalties, as provided by law. The employer may also

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be liable for a civil penalty of up to $10,000 per violation.

In addition, the employers’ attorneys are also prohibited from reporting or threatening to report suspected immigration status of employees or their witnesses (or family members) simply because these persons exercised their employment rights.

Attorneys who violate this law may be guilty of extortion, and may be disbarred, suspended, or disciplined by the California State Bar. [C. Joe Sayas, Jr., Esq. is trial attorney who has obtained several million dollar recoveries for his clients against insurance companies and employers. He has been selected as a Super Lawyer by the Los Angeles Magazine, featured in the cover of Los Angeles Daily Journal’s Verdicts and Settlements, and is a member of the Million Dollar-Advocates Forum. He is a graduate of Georgetown University Law Center Washington, D.C. and the University of the Philippines. Visit his website at www.joesayaslaw.com or contact his office at (818) 291-0088 for a no-cost inquiry.]

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Discharging income taxes in bankruptcy The three year rule.

Many people have the BANKRUPTCY When was the income mistaken belief that back tax due and has three due income taxes cannot years lapsed? be discharged in bankThe two year rule. ruptcy because a debt When was the tax return owed to the Federal and filed and has two years State government cannot lapsed? be wiped out. That belief The 240 day rule. Has is wrong. Since 1966, the IRS assessed the tax bankruptcy law allows due and has 240 days the discharge of debt to

BY ATTY. LAWRENCE YANG lapsed since the assessthe IRS. However, there ment? are rules that must be The fraudulent return followed to discharge income taxes. This is where it can be tricky. rule. Was the tax return fraudulent?

The willful tax evasion rule. Was there a Generally speaking, there are six rules that must be complied with to discharge willful attempt to evade or defeat the tax?

The withholding tax rule. Was there a income taxes: duty to withhold the tax?

This is a general discussion. Be warned.

Do not use this discussion to try to discharge your back due income taxes and if you fail to do so, use this article to blame me for your failure to do so. I had a potential client who owed half a million in back taxes. I told him to wait one more year before filing his Chapter 7 case. He decided to go to another lawyer who told him he could file his case immediately and did so. The IRS said that he filed his Chapter 7 case too early so the taxes were not discharged.

Let’s look at rule 6. If you owe withholding taxes, you cannot discharge them.

Before 2005, you can use a Chapter 13 discharge to get rid of withholding taxes owed. But the new bankruptcy law no longer allows this. If you owe withholding taxes and have no assets, try an offer in compromise instead. If the IRS is going after you for withholding taxes owed, you can file a Chapter 13 to pay what you owe to the IRS for withholding taxes over five years. For example, you owe $25,000 of withholding taxes, you can pay the IRS through Chapter 13 the amount of $416 monthly for 60 months without interest to get them off your back and buy you some peace and quiet.

Let’s look at rule 1, the three year rule. This is Section 523(a)(1)(A) of the bankruptcy code that states priority tax claims under 507(a)(8) are not dischargeable for the period of their priority status.

Subsection(i) provides that income tax remains a priority claim “…for which a return, if required is last due, including extensions, after three years before the date of filing of the (bankruptcy) petition…” In plain language the question to ask is was the return due more than three years before the bankruptcy filing? Let’s say you owe taxes of $10,000 for the year 2009. When See YANG, page 16

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Relief for widows of deceased petitioner Since 1938, US imfiles a petition within 2 BARRISTER'S migration regulations years after the death of the have provided for the citizen spouse or until the CORNER automatic revocawidow spouse remarries tion of the approved whichever comes earlier. visa petition upon the Each child of the alien death of the Petitioner. will also be considered an However, immigration immediate relative under regulations since 2006 this section.

Widows with Pending provided that automatPetitions ic revocation proviSection 568© amendsions does not apply

BY KENNETH REYES ment is applicable to all to a spousal immediate & DARRICK TAN pending petition on or after relative petition if the the date of the enactment. deceased petitioner and the alien widower had been married at least Pending includes denied I-130 that have pending motions to reopen or pending BIA two years at the time petitioner died.

When the FY2010 DHS Appropriations appeal, and BIA denials pending federal Act was enacted on October 28, 2009, the court litigation. The amendment also ap2 year requirement was eliminated. Under plies to any form I-485 that was pending section 568© of that act, it is no longer on October 28, 2009. necessary for the husband and wife to Widows with Approved Petitions Any approved I-130 before the citizen have been married for 2 years when the citizen spouse died in order for the alien petitioner death will be deemed an apspouse to qualify as an immediate rela- proved I-360. The widower may adjust tive. The widow may remain an immedi- along with any child.

Widows without Pending Petitions ate relative as long as the widow was not Widows may file I-360 self petition. legally separated from the citizen spouse at the time of death and the widow spouse For citizen spouses that died prior to Octo-

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For citizen spouses that died on or after October 28, 2009, the deadline to file the self petition is within 2 years of the citizen’s death. Affidavit of Support is not required for widows of a citizen and accompanying children.

Please note that this article is not legal advice and is not intended as legal advice.

The article is intended to provide only general, non-specific legal information.

This article is not intended to cover all the issues related to the topic discussed.

The specific facts that apply to your matter may make the outcome different than would be anticipated by you. This article does create any attorney client relationship between you and the Law Offices of

Kenneth U. Reyes, P.C. This article is not a solicitation.

Attorney Kenneth Ursua Reyes was President of the Philippine American Bar Association. He is a member of both the Family law section and Immigration law section of the Los Angeles County Bar Association. He is a graduate of Southwestern University Law School in Los Angeles and California State University, San Bernardino School of Business Administration. He has extensive CPA experience prior to law practice. LAW OFFICES OF KENNETH REYES, P.C. is located at 3699 Wilshire Blvd., Suite 700, Los Angeles, CA, 90010.

Tel. (213) 388-1611 or e-mail kureyeslaw@gmail.com. Web: usimmigrationatty.com or kenreyeslaw.com

AROUND TOWN From page 14

of lives through disease, devastation and starvation and human behavior contributes to how severe the problems could be and may add to death toll. Human behavior can also contribute to how severe the problem is and may add to the death toll.The Philippines has exposed some inadequacies in the manner of dealing with calamities. The reactive stance the national leadership assumes has made matters worse in terms of casualties and properties. As an aftermath of the disastrous event, many have already indicted the Philippine leadership with the “lack of any system of structure to keep things in order in the affected areas and over the entire country even on normal circumstances.” This is magnified when disasters strike as in Tacloban City and its environs.

In an effort to do damage control because of the inadequate pre-disaster preparations, the national leadership has assumed stricter control of managing the rescue and work in the affected areas.

The Philippine disaster might have been confined to the Visayas area, but the extent of the emotional and physical loses transcended human boundaries and has awakened in the hearts of the many a kind of empathy which they expressed through various means they are capable of mas-

tering. More than one hundred countries around the world responded to help by sending logistics, medicine, water and a lot of things that would hasn’t the return to normalcy of the affected communities.

Filipinos worldwide reached to friends to conduct fundraising in whatever way they could to help. Aware that the typhoon left the survivors with only the shirts on their backs, they were quick to pull out from their closets numerous items that they hope will reach the victims.

Filipino organizations, big and small, answered the call of their motherland for any assistance that they may extend. This is one instance where once again the Filipinos who grew up under the spirit of bayanihan will experience the inner joy of joining hands with their kababayan in extending the warmth concern for their calamity-stricken in many parts of the world. Yes, the situations are chaotic, but assurance remains that somebody somewhere a Filipino still cares.

Yang From page 8

was the return due? The return was due April 15, 2010.

If you requested for an extension of time, then it was not due until the extended time elapsed. So, if you file your Chapter 7 today, February 28, 2013, you will not be able to discharge the $10,000 because you did not comply with the three year rule.

You filed your Chapter 7 too early.

If you did not file for an extension in 2010, then you should file your Chapter 7 case after April 15, 2013 when three years from April 15, 2010 has lapsed to comply with the three year rule.

Another problem with the rule is that some things can “toll” or delay the counting of the three years.

For instance, if the IRS could not collect the tax from you because you filed a Chapter 13 in a prior bankruptcy, the period of time you were in Chapter 13 is deducted from the three year computation. However, an offer in compromise does not “toll” the computation of time.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California.

He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

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27

Discharging income taxes in bankruptcy Earlier, we established in bankruptcy because the fact that back due you cannot comply with BANKRUPTCY income taxes can be disthe willful evasion rule. charged in bankruptcy, Wesley Snipes found despite the popular belief out about this rule the that this was not possible. hard way. He owed $12 We said that there are six million in back taxes berules that must be comcause he failed to file tax plied with to discharge returns for several years taxes. All of these rules believing that the Fedmust be followed. If you eral government did not

BY ATTY. comply only with five have the authority to tax LAWRENCE YANG rules, the back taxes are him. He was convicted not discharged. of willful tax evasion.

The six rules are: the three year rule I tried to help Mr. Snipes by selling him which requires that three years have passed a birth certificate which would show him since the tax return was due, the two year as a member of the Native American tribe rule which requires that two years have in Pechanga. That way he would not be passed since the tax return was filed, the subject to Federal tax as long as he moved 240-day rule which requires that 240 days into the confines of the reservation and he have passed since the taxes were assessed, would receive hundreds of thousands of the fraudulent return rule which requires dollars of dividends yearly until he died that the return did not involve any fraud, as his share of the casino profits. But he the willful evasion rule which requires that declined my offer saying “I can’t live in there was no willful attempt to evade or no teepee for the rest of my life!” defeat the tax, and finally the withholding The 240-day rule states that income tax rule which requires that the tax did not taxes are a priority claim for a period of arise from a duty to withhold.

240 days after taxes are assessed. A notice It used to be that discharging income of deficiency is not an assessment. So, if taxes in Chapter 13 was different from the IRS sends you a notice saying that you Chapter 7. Chapter 13 used to have a “super owe them $10,000 which they call a notice discharge” which allowed the discharge of deficiency; that is not an assessment. of withholding taxes and income taxes The bankruptcy code does not define the despite the total failure to file a return, fil- word “assess”. This is because the IRS ing a fraudulent return or willful attempts and as well as all the states have different to evade or defeat the tax. However, the methods of assessing taxes. The federal innew bankruptcy code which took effect in come tax cases which have interpreted the 2005 has made the discharge of taxes iden- word refer to Section 6203 of the Internal tical under either Chapter 7 or 13. There Revenue Code: “assessment shall be made is no longer a “super discharge” of back by recording the liability of the taxpayer due income taxes under Chapter 13. For in the office of the Secretary in accordance example, if you are one of those who be- with rules or regulations prescribed by the lieve that the Federal government does not secretary.” The regulations provide that have the power to tax so that you willfully assessment is made “by an assessment evade income taxes, you will not be able officer signing the summary record of asto discharge your back due income taxes sessment.” So, the decision of a tax court

is not the date of assessment.

The IRS has a three-year statute of limitation within which to assess after a return is filed. But the IRS cannot begin the collection process until after it has assessed. Just to be sure, get a copy of the record of assessment from the IRS. You can use Form 4506-T then request for both the return and the “account transcript” to obtain the record of assessment.

Lawrence Bautista Yang is a graduate

of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.

MoneyGram presents StarQuest and StarGazer Los Angeles, CA – Southern California’s biggest Filipino-American karaoke and ballroom dancing competition are heating up! It’s the finale of JR StarQuest, StarQuest and StarGazer, hosted by Filipino-American Media and Entertainment (FAME), presented to you by MoneyGram (NASDAQ: MGI), a leading global money transfer and payment services company.

The event will be held at Dance Revolution (6626 Valjean Ave., Van Nuys, CA 91406) on December 7th.

JR StarQuest & StarQuest (Season VI), a popular Filipino community Karaoke Singing Contest, features the best FilipinoAmerican talents from all around Southern California and will have other surprise guests. Twelve competitors from JR StarQuest (ages 10-15) and StarQuest (ages 16 and up) will vie for the grand prize of $3,000 plus a roundtrip ticket to the Philippines. This growing event began earlier this year and has held several weekly finals in three different locations in the community.

StarGazer (Season I), Ballroom Dancing competition among Filipino-Americans. Six competing pairs are composed of professional and amateur dancers with ages ranging from 40 to 60 years old. They will dance to four dances: the Rumba, Chacha, Tango and Swing. During the Grand Finals, the competitors will dance together

and individually. The grand champion will receive $1000 plus a trophy.

JR StarQuest, StarQuest and StarGazer is a production of Filipino-American Media and Entertainment (FAME) and presented to you by MoneyGram. MoneyGrado sa MoneyGram!

A buffet dinner will be served and social dancing will take place after the competition. Tickets are on sale now – Please call 818.486.5650 for more information.

This is your best night-out getaway with your family and loved ones.

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Your debt problems will fall like The Walls of Jericho The Israelites have the golden cow or comjust ended their 40 years plained of deliverance BANKRUPTCY of wandering about in from Egypt to set foot in the Sinai Desert after the Promised Land. So, God delivered them from most of the people who 400 years of bondage in were about to set foot in Egypt. God, my God, the the Promised Land were God of Moses and Israel, the children of the ones Who sent to us His only who left Egypt. and beloved Son, Jesus The Promised Land Christ, Who became man was Canaan, now PalesBY ATTY. through the Blessed Virtine, which was already LAWRENCE YANG gin Mary, Who willingly inhabited. Jericho was suffered and died for us the first city in Canaan on the cross that we may have eternal life that the Israelites had to conquer. Joshua, with Them in paradise, forced pharaoh, the leader of the Israelites, encamped about the king of Egypt, to release the Jews by 10 miles outside Jericho which was heavpunishing Egypt with natural calamities ily fortified by a very high stone wall and ending with the death of the first born of all securely barred. No one went in and no Egyptians, including Pharaoh’s first born. one came out. The Jordan River separated God then parted the red sea to let the Jews Jericho from the camp of the Israelites. pass safely through to the desert.

An angel appeared before Joshua to deGod promised Moses that He would liver a message from God: “See, I have delead them to the promised land of milk livered Jericho into your hands, along with and honey. He gave them the Ten Com- its king and fighting men. March around mandments written by the Hand of God the city once with all the armed men. Do Himself in stone and placed in the Ark of this for six days. Have seven priests carry the Covenant. But along the way, the Jews trumpets of rams’ horns in front of the made and worshipped a golden cow. They ark. On the 7th day, march around the city complained that they were better off as seven times, with the priests blowing the slaves in Egypt, where Pharaoh gave them trumpets. When you hear them sound a food to eat. God was displeased with their long blast on the trumpets, have the whole betrayal and complaints but nevertheless army give a loud shout; then the wall of the fed them with manna, something similar city will collapse and the army will go up, to bread, everyday for 40 years. But of the everyone straight in.”

The angel further informs Joshua that original 600,000 who left Egypt, only a handful survived to be at the point where the priests must carry the Ark of the Covthey could see the Promised Land. God enant to the Jordan River with the army did not allow anyone who worshipped trailing a thousand feet behind them.

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Joshua then announces God’s instructions to his soldiers. When the feet of the priests carrying the ark touch the Jordan River, the waters part, just like the red sea parted, to allow the priests and the army to pass through! If God is for you, who can stand up against you?

Joshua got up early the next morning and the priests took up the ark of the Lord.

The seven priests carrying the seven trumpets went forward, marching before the ark of the Lord and blowing the trumpets, with the army behind them, encircling the stone walls of Jericho. They did this for six days.

On the seventh day, they got up at daybreak and marched around the city seven times in the same manner, except that on that day they circled the city seven times.

The seventh time around, when the priests sounded the trumpet blast, Joshua com-

17

manded the army, “Shout! For the Lord has given you the city!”

When the trumpets sounded, the army shouted, and at the sound of the trumpet when the men gave a loud shout, the wall collapsed! Your debt problems will collapse too if you bring your problems to the Lord!

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

28 Too much debt? Think of Daniel Chapter 3 Visit www.Balita.com

order that we may have Debt problems can beeternal life with Them in come a recurring nightBANKRUPTCY heaven. It is the blood of mare for debtors who Jesus Christ that washes think they can handle away our sins and endebt problems by themables us to have eternal selves. I have told you life. It is because Jesus is many times before that if God that He can do this. you have debt problems No matter how talented, you must rely on the rich or good we are, one true God, my God, we are nothing and we the God of Moses and

BY ATTY. have no power to save Israel, who sent His only LAWRENCE YANG ourselves. It is because and Beloved Son, Jesus God loves us and His Christ, Who willingly suffered and died on the cross to redeem son Jesus died for us that we have value. us from the consequences of sin and Who So, you must pray to our God to help you became man through the Blessed Virgin resolve your debt problems and to put you Mary, to us because He loves us so, in and your family on solid financial footing.

Weekend, Sat. - Fri., October 12-18, 2013

Jesus resurrected His friend Lazarus and the daughter of the widow of Nain.

Both had been dead for several days. Jesus resurrected on the third day after His death on the cross!

Chapter 3 of the book of Daniel talks about king Nebuchadnezzar of Babylon who is credited with making the hanging gardens of Babylon. Babylon is Iran.

Nebuchadnezzar made a big golden statue of himself. He gathered all the big shots of Babylon for the dedication of his gold statue. Then a herald announced that once the music played, everyone must fall down and worship the statue. Those who refused would be burned in the furnace immediately.

Three Jews, Shadrach, Meshach and Abednego refused to do so. Let’s just call them Shad, Mesh and Abe. Someone informed the king that Shad, Mesh and Abe had broken the law and they should be burned. Perhaps this is where Hitler got the idea of burning Jews in the furnace.

Nebuchadnezzar commanded that the three Jews be brought before him. He asked them if it was true that they did not worship the gold statue. Shad, Mesh and Abe admitted it was true because they worship only the one true God, Yahweh, the God of Moses and Israel. The king gave them another chance to worship the statue once the music played, or they would be cast into the burning furnace, and “who is that God that shall deliver you out of my hands?”

Shad, Mesh and Abe answered the king that if God desired it, they would be saved from the flames, and if not, they still would not worship the statue.

So, Nebuchadnezzar full of fury commanded that they should heat the furnace seven times more than it was heated and commanded his strongest soldiers to throw Shad, Mesh and Abe into the furnace.

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The three men “fell down bound into the midst of the burning fiery furnace.” Then Nebuchadnezzar was astonished and said to his counselors, “Did not we cast three men into the midst of the fire? But Lo, I see four men loose, walking in the midst of the fire, and they are not hurt; and the form of the fourth is like the Son of God.” Then Nebuchadnezzar said, “Blessed be the God of Shad, Mesh and Abe Who hath sent His angel, and delivered His servants that trust in Him, and have changed the king’s word, and yielded their bodies, that they might not serve nor worship any god, except their own God.” “Therefore, I make a decree, That every people, nation, and language, which speak anything amiss against the God of Shad, Mesh and Abe, shall be cut in pieces, and their houses shall be made a dunghill (this is much worse than foreclosure): because there is no other God that can deliver after this sort.”

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty+ years.

He specializes in bankruptcy, business and civil litigation and has handled more than four thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave., Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

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OPINION

Ambassador cites reasons why Koreans go to PHL ism recorded more than a million visitors from Korea or nearly a quarter of total tourist arrivals to the Philippines.

“There is something that they found in the Philippines that keeps them coming back,” he said. Aside from learning the English language, the Ambassador noted that Koreans enjoy spending their vacations by going to the Philippines.

Ambassador Cruz added that a lot of Korean visitors go to the Philippines for

Worried about debt, think of Daniel in the lions’ den Many debtors feel that Babylon had conquered their debt problems have Israel because the Jews BANKRUPTCY placed them in a lions’ den did not obey God as because they feel that their usual. Darius, the debts will swallow them king of Babylon, worup alive. Every month shipped the false gods: every creditor must have ahura mazda and amun. their minimum bites from He ruled his kingdom debtors’ household inwhich included Cencome. Creditors are comtral Asia, Afghanistan pared to lions that eat debtand Pakistan, through

BY ATTY. ors alive. This situation is 120 governors, called LAWRENCE YANG not hard to imagine. Just satraps. The satraps go to any zoo. Imagine then reported to and being thrown into the lions’ cage. How were managed by 3 administrators. Daniel long can you survive in one piece? Not too was one of the 3 administrators. Although long. When you are faced with this kind of he was schooled in Chaldean/Babylonian problem, I told you many times before that culture and thought, he was a foreigner. He you cannot rely on yourself. You must trust was a Jew who prayed to the one true God, in God and His Son, Jesus, my God, the YAHWEH, every day. God supported him.

God of Moses and Israel, who sent His only Darius favored him and planned to make and beloved Son to us, Jesus Christ, Who Daniel the chief administrator of the kingbecame man through the Blessed Virgin dom. Because of this, the governors and Mary and willingly suffered and died for the other two administrators became very us on the cross because He loved us so, so jealous of Daniel and conspired to bring that we can spend eternity with Them in him down. But they could not find anything heaven. You have to ask help from Jesus. to remove him from office. So, they tried Ask and it will be given. Knock and the to use Daniel’s faith in God against him. door will open.

A group of satraps and both administraLook at Daniel. About 600 B.C., Daniel tors tricked the king into making a decree was a member of the royal family of Judah that for the next thirty days, anyone who who was captured and sent to Babylon as prayed to another god or man besides an adviser to the king of Babylon, now Iran.

See YANG, page 28

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Cruz also cited the historical ties between the Philippines and Korea that took root during the Korean War. “We helped them during the rehabilitation of their country,” he said, adding that Koreans “have very high regard for Filipinos.”

During the Korean War in 1950, the Philippine Expeditionary Forces to Korea joined the UN-led coalition in defending the freedom of the Korean people. Until today, both countries recognize this as the bedrock of Philippine-Korean relations.

(MNS)

WE ARE A DEBT RELIEF AGENCY. WE REPRESENT DEBTORS IN CHAPTER 7, 13, 11 AND 12 OF THE NEW BANKRUPTCY LAW. THIS INCLUDES RELIEF FROM MORTGAGE PAYMENT DEFAULTS AND PRE-FORECLOSURE RELIEF FOR RESIDENCES AND OTHER REAL ESTATE PROPERTIES.

w w w. B A L I T A . c o m

Editor

shopping, spa and other leisure activities.

“So there are so many things that they like in the Philippines, that’s why they keep on coming back,” he said.

He also credited the Department of Tourism for the increasing number of Koreans visiting the country. Cruz said that it has implemented various programs based on the survey conducted by the Gallup Company to attract more tourists from Korea. He mentioned one survey where respondents from Korea cited Filipino seafood as a particular favorite.

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For editorial: Have a story tip, letter to the editor or suggestion? Email editor@ balita.com or communitynews@balita.com. Mail your letter to: Editorial Department, Balita Media Inc., 520 East Wilson Ave., Glendale, CA, 91206. Submissions must include full name, mailing address, and contact numbers. All contributions are subject to the paper’s editorial standards. For advertising: Email advertising@balita.com.

I look forward to help you: discharge debts; stop foreclosures; wage garnishments; stop harassments from collectors; stop repossessions.

•CANCEL 2ND TRUST DEEDS •DIVORCE & FAMILY LAW •CIVIL, BUSINESS & REAL ESTATE LITIGATION & TRIALS

L A R R Y YA N G i s a g r a d u a t e o f Georgetown University Law Center with a master’s degree in law and practices before California State Courts, United Sates District Courts, the California Appeals for the 9th Circuit and US Bankruptcy Courts.

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Have you mortgaged your grandchildren to Mastercard and Visa? Snowed under by a mountain of debt? Worried about losing your home and car? Call me immediately today! Yes, I speak Tagalog. No, I won’t charge you for consultation. I can help you keep your home, car and other personal properties.

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SEOUL, South Korea, Oct 16 (Mabuhay) – Increasing number of Koreans visits the Philippines to explore tourist attractions and the great local food, Philippine Ambassador to Korea Luis Cruz said During an interview with the Radio-TV Malacanang here in Seoul, Ambassador Cruz said that Korea is the top source of tourists for the Philippines for the past few years.

Just last year, the Department of Tour-

10 WEST DOWNTOWN LA.

Weekend, Sat. - Fri., October 19 - 25, 2013

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BEATLES From page 19

came a byword in the Fil-Am community after the First Battle of the Filipino Bands in 1994 in Cabrillo Beach, who produced the who produced the First FilAm Tribute to The Beatles Concert in Los Angeles, according to Rommel Torres, one of the event organizers.

Bands, guest musicians and entertainers who will all pay tribute to the greates rock band on earth the Beatles, all will present

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only Beatles song cover.

Torres said the featured bands, guest musicians and other entertainers will all pay tribute to the greatest rock band on earth the Beatles, and will play only Beatles song cover.

Torres said the first First Fil-Am Tribute to the Beatles was held last January 13, also in Josephine’s Bistro. “It was a blast,�

Torres said, “and most musicians in Los Angeles, San Diego, Las Vegas , etc... came to gather and see the show and meet with other musicians.�

YANG From page 18

the king would be thrown into the lions’ den.

Daniel learned of the decree but did not change his habit. Just as he had done all his life, he went home, knelt down, faced Jerusalem, and prayed to God. The wicked administrators caught him and told the king. King Darius, who loved Daniel, tried to save him, but the decree could not be revoked.

At sundown, they threw Daniel into the den of lions. There were 30 lions in the den!

The king could not eat or sleep all night.

At dawn, he ran to the lions’ den and asked Daniel if his God had protected him. Daniel replied “My God sent His Angel and He shut the mouths of the lions. They have not hurt me, because I was found innocent in his sight. Nor have I ever done any wrong before you, O king.�

Scripture says the king was overjoyed.

Daniel was brought out, unharmed, â€œâ€Ś because he had trusted in his God.â€? King Darius had the men arrested who falsely accused Daniel, and along with their wives and children, were all thrown into the lions’

den, where they were immediately killed by the beasts.

Then the king issued another decree, ordering the people to fear and reverence the God of Daniel, YAHWEH. Daniel prospered under the reign of Darius and King Cyrus the Persian after him.

Even though Daniel was already 80 years old, he refused to abandon God. He could have easily avoided the accusation that the administrators lodged against him by not worshipping God for thirty days.

The threat of being eaten by lions did not change his trust in God. Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty+ years.

He specializes in bankruptcy, business and civil litigation and has handled more than four thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave., Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

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Burdened by debt? The king of kings will give you rest Too much debt bewas having a difficult comes an enormous time financing the loss BANKRUPTCY emotional problem for of $20,000 monthly. He the debtor. I am reminded then resorted to borrowing of my client 20 years ago against credit cards until who killed himself by he accumulated $200,000 shooting himself in the of debt. When he came to chest. By all accounts, he see me, he said he already was a successful person. decided to seek bankruptHe had high income, cy relief because he could $500,000 annually from not handle his financial

BY ATTY. his profession. But he losses and debts further.

LAWRENCE YANG was also involved in a Even though he had decided to seek bankruptcy business that had started to lose money. It was losing about $20,000 relief, it appeared to me that he could not a month. Even with his high income, he accept his “failure” as he described himself.

FHA back to work program

He was so focused on his image as being a successful person. I told him not to worry because it was just a financial problem.

That weekend that he came to see me, he got into his car, drove to a street near to his house, and shot himself in the chest. I felt really sorry for him because, to me, he was a very successful person, despite his financial problems. He had a good profession and a good family, and he was in good health.

Instead of counting his blessings from the Lord, he focused on his financial problems and debts and became overwhelmed by the problem. He did not think that his family wanted him to be alive and be with them.

Instead, he wanted his problems to end with a gunshot to his chest. He did not call out to God, my God, the God of Moses and Israel,

who sent his only and beloved Son, Jesus Christ, to us and who willingly became man through the Blessed Virgin Mary, suffered and died on the cross to redeem us from the consequences of sin so that we may have eternal life with Them in paradise, for help him resolve his financial and debt problems.

God wants us to ask Him for help and rest on Him when we are overburdened by problems in life, and there are many for sure. He doesn’t want us to lose hope and kill ourselves because we are overburdened by debt problems. How do I know that God will give us help and rest? Because He said so and God does not lie.

The Bible is the word of our God. In Timothy 6:15: “He who is the Blessed See YANG, page 37

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Are you eligible to be an U.S citizen?

(Paul Choi is an imCHOIce migration attorney and IMMIGRAprofessor of law located at 5900 Sepulveda Blvd. Ste. 303, Sherman Oaks, California 91411.

Atty. Choi will answer all questions regarding immigration and naturalization for free. Address questions to pchoi@ BY pchoilaw.com or teleATTY. phone 818 714-2226.

Atty. Choi is pleased to announce that his administrator is Philip Abramowitz .)

Question: I heard that you prepare and file applications for naturalization for only $150 and I want to see if I can apply. I obtained my greencard through my husband who is a U.S. citizen in 2008. However, we have separated since last year because of marital problems. I want to become a citizen so I can petition my parents. My mom has been sick and I have spent alot of time in the Philippines visiting her. I even stayed outside the U.S. one time for almost a year. Can I file for naturalization now?

Answer: With all the benefits of American citizenship people begin to think about becoming Americans. This inculudes the ability to travel with a U.S. passport, remain outside the U.S. for as long as you like, be free of any risk of deportation or expiration if your permanent resident card, the right to vote and of course, the ability to petition loved ones such as children, spouses, parents and siblings.

There are however, some strict rules regarding eligibility to naturalize. Ordinarily, you must prove that you have been a permanent resident for at least five years before filing for naturalization although

you may file 90 days in advance of this date. If you are married and residing with an American for at least three years, you can file for naturalization as the spouse of a citizen with only three years of permanent residency. Again, you can file 90 days in advance. Since you are married to a citizen you should be able to file under the three year rule, that is if you are still residing together with your spouse. If you are separated, you must wait the five year period before filing for naturalization.

Trips outside the U.S. are also an issue that can affect your eligibility to naturalize.

The first rule is that you cannot have more than 50% of the last five years absent from the U.S. and no trip can last more than one year without breaking the continued residency period required for naturalization.

Since your trips never exceeded one year, you appear to qualify. However, there can be exceptions to this rule.

The law also states that you cannot have abandoned your residence in the U.S. Trips of less than six months do not affect your eligibility for naturalization. However, trips in excess of six months can call your continued residence into question. You should be prepared to present at your interview proof that during your absences of more than six months you did not intend to abandon your residence in the U.S. You should prepare to discuss why you traveled abroad and what ties did you have in the U.S. while you were away. Proof of work, tax returns, bank accounts, family and bills show that you had no intention of abandoning your residence in the U.S.

Trips in excess of one year abroad at a time break the required chain of continued residence and even though you might have had a re entry permit, you must wait another four years before filing for naturalization again.

During the naturalization interview be prepared to know and respond to questions regarding American history and the English language. The examiner will ask a few short questions regarding these areas.

The questions are not tough but they do require a bit of reading and understanding.

Right now, the USCIS is processing naturalization applications very quickly often times scheduling interviews in just a few months. It is therefore possible to be a citizen in less than six months. In no time you can enjoy all the other benefits of being an American.

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We have had a large number of clients who were arrested for crimes that caused them to be placed in deportation proceedings even though they are permanent residents.

Crimes such as spousal abuse, fraud, robbery, drug possession and medicare fraud can result in permanent residents getting deported. Filing for naturalization now will prevent any such risk in the future should the unthinkable occur.

In short, there are many reasons to be an American-most importantly of all is to share in all the things that make this country great.

(Paul Choi will answer all questions regarding immigration for FREE. Contact him at pchoi @pchoilaw.com or at 818 714-2226. As always, consultations in office are still FREE)

Italy mourns shipwreck migrants, appeals to Europe LAMPEDUSA, October 4, 2013 (AFP) – Italy on Friday mourned the 300 African asylum-seekers feared dead in the worst ever Mediterranean refugee disaster, as the government asked Europe to help stem the influx of migrants.

With the search for bodies off the island of Lampedusa suspended due to bad weather, an emotional Pope Francis said it was “a day of tears” in a “savage world” that ignored refugees.

Islanders in the tiny fishing community commemorated with a mass and a silent torch-lit procession as flags across Italy flew at half mast and schools marked a minute of silence.

“This is a really important ceremony for the victims and for us,” said Michele Rossi, a local shopkeeper. “We are used to doing our best to save people but we have never seen anything like this.”

Emergency services on the remote island—Italy’s southernmost point—said they had recovered 111 bodies so far and rescued 155 survivors from a boat with an estimated 450 to 500 people on board.

Rescuers said strong currents around the island may have swept other bodies further out to sea but were no longer able to leave the port because of strong winds and two-metre (seven-foot) waves.

“There is horror down there. Dozens of corpses, maybe hundreds,” Rocco Canell, who runs a local diving school and went down before the search was halted, told the Italian news agency ANSA. “They are all on top of another, piled up, wedged.

The lucky ones are those who died first,” he said after descending to the ghostly wreck, which lies on the seabed at a depth of around 40 metres.

YANG From page 31

and only Sovereign, the King of kings, the Lord of lords.” Mathew 11:28: “Come to me, all you who are weary and burdened, and I will give you rest.” Isn’t it awesome, indeed, amazing, that we who are worthless without our God, have been asked by the King of kings, the Lord of lords, indeed, the Almighty, the creator of the universe, to go to Him, if we are weary and burdened, and He will give us rest!”

If you thirst, see Isaiah 55: “Come, all who are thirsty, come to the waters; and you who have no money, come buy and eat!

Come buy wine and milk without money and without cost…” This is the word of our God. Seek Him and ask Him for help, and ask Him for rest. Ask Him for water when you thirst, ask Him for food when you are hungry, even if you have no money.

He will give you what you need to quench your thirst and satisfy your hunger. God doesn’t care if you are rich or poor. God doesn’t need your money. He created the whole universe!

Mathew 7:7: “Ask and it will be given to you; seek, and you will find; knock and it will be opened to you. For everyone who asks receives, and he who seeks find, and to him who knocks, it will be opened…”

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

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Your debts and The Tower of Babel (Part 2) Last week, we talked about the tower of Babel which is located 30 miles from the modern city of BANKRUPTCY Baghdad in Iraq. We destroyed the tower with cruise missiles when we attacked Iraq because we thought that the tower contained Saddam’s weapons of mass destruction. Now, we know that chemical weapons, at least, were shipped to Syria because Assad used it on his own people even though he was winning the civil war which had already 100,000 civilian casualties. Assad used chemical weapons on his own people to give us an excuse to do a limited missile

BY ATTY. strike. Sure. Maybe the rebels used government LAWRENCE YANG military uniforms and used chemical weapons on the civilians. That makes more sense. Assad had nothing to gain while the rebels had everything to set foot in heaven, they would become gain from the use of chemical weapons gods. Noah’s descendants were filled with on civilians. pride and arrogance. God saved Noah and The descendants of Noah were the only his family from the great flood but his dehumans in the world who survived the great scendants, whom, instead of being humble flood sent by God, my God, the God of and glorifying the one true God were so full Moses and Israel, who sent His only and of pride and arrogance that they thought beloved Son, Jesus Christ, Who became they could become gods! man through the Blessed Virgin Mary, to God, of course, saw through their hearts, redeem mankind from the consequences of and saw this as pure arrogance. He put sin so that we may have eternal life with an end to the people’s delusions of being Them in paradise, to destroy all humans on powerful and important like gods. So, God earth because He was greatly displeased made the people speak many different with humans who had been corrupted by languages so they could not work together sin and the devil, built a tower that would on building the tower. Then, He scattered reach to the heavens. Why did they do this? the people around the world and the tower Because they thought that the tower would and the city was abandoned.

We may be tempted to think we no let them set foot in heaven, and once they

longer need to trust and obey God. We may believe our learning, sophistication and technology are all we need to be self-sufficient and guarantee our security.

When Wall Street created the new mortgage schemes that created the real estate bubble that burst in 2008 dragging down the American economy and the whole world economy with it, the investment bankers with their MBA’s, PHD’s in math & rocket science, from the so called best colleges in America, thought that they were gods, because they were making tons of money. Did human arrogance turn into a new Babel?

When you borrowed money to buy ten houses thinking you can sell them after several months and pocket a million dollar profit, weren’t you thinking that you were self-sufficient, arrogant and proud, and that your decision to invest in 10 houses would guarantee your security? Did you not think that you did not have to trust and obey God anymore? But what has happened to your ten houses? They all got foreclosed and the 2nd trust deed holders are chasing after you. Like Babel, you ended up ruining

yourself. You can still file a bankruptcy to get rid of your debt and make a fresh start right now. But you need to trust and obey God so that you can build your financial future on a solid foundation.

In addition, you probably learned the hard way that just because you have the ability to borrow money doesn’t mean you should borrow money.

And, that your house is not an ATM machine. Your house is shelter for you and your family. Just because it has equity, doesn’t mean you should borrow out the equity and spend it, even though interest rates are low.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

DOJ upholds estafa raps vs Cebu doc linked to Aman Futures scam MANILA, Sept 13 (Mabuhay) - The Department of Justice has upheld the syndicated estafa charges filed against a Cebu-based doctor implicated in the P12-billion investment scam started by Aman Futures founder Manuel Amalilio and victimized 15,000 people from Visayas and Mindanao.

In a resolution approved by Prosecutor General Claro Arellano, the special panel of prosecutors probing the investment scam dismissed a motion filed by Dr. Rico Crisostomo Medina asking for the reconsideration of the criminal charges against him. Also in the resolution, prepared by Senior Assistant State Prosecutors Edna Valenzuela and Merba Waga, the DOJ panel said Medina failed to present new evidence to convince the DOJ to reverse its earlier decision against him. “A perusal of the arguments raised by respondent Rico Medina in his motion for reconsideration shows that the same are mere rehash of the defenses he already posited in his counter-affidavit which have already been passed upon in the said resolution,� the panel said.

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OPINION

Fire burns for ageing MNLF leader Nur Misuari: ‘We don’t want to be part of the PHL anymore’

By Cecil Morella

Manila, September 19, 2013 (AFP) – Nur Misuari, a charismatic Muslim leader who set the Philippines’ south ablaze with rebellion decades ago, is back doing what he does best after a less-than-successful fling with peace.

At the age of 71, the former academic is orchestrating a stand-off in the southern port city of Zamboanga that has claimed more than 100 lives and put him back in the national spotlight.

“We don’t want to be part of the Philippines anymore,” Misuari told supporters in his Jolo island stronghold on August 12 as he declared himself the president of the “Bangsamoro Republik” and railed against national government authorities.

“Their presence in our homeland is illegal, unlawful, illicit. They should pack up and leave.”

A firebrand orator from an influential clan of the Tausug, a warriorlike seafaring tribe, Misuari rallied thousands of fellow Muslims in the early 1970s to take up arms for a separate state in the southern Philippines.

He was continuing a tradition for Muslims in the south of the mostly Catholic Philippines who had for centuries resisted outside Christian rule – whether that be Spanish, American or Filipino.

Misuari was a young political science professor at Manila’s prestigious University of the Philippines when he established the Moro National Liberation Front (MNLF) to launch a war for independence.

The conflict, which eventually took on other forms with the emergence of other rebel groups, has gone on to claim about 150,000 lives.

Misuari went into Middle East exile after a 1976 truce, then returned a decade later following the fall of dictator Ferdinand Marcos to begin negotiations with democratic governments in Manila.

He eventually agreed to a peace pact in 1996, with the MNLF laying down its arms in return for self-rule in parts of the southern Philippines and Misuari as the autonomous region’s governor.

Political life less successful for the revolutionary But life for Misuari as a bureaucrat and politician would prove to be far less successful than as a revolutionary leader.

As head of the Autonomous Region in Muslim Mindanao (ARMM), he was finally in a position to help alleviate devastating poverty, corruption and violence in the south, and work to end the oppression that the millions of Muslims there feel.

Instead, he established a reputation among the political elite, the national media and some Muslims as an aloof administrator who was more concerned about his own interests.

They argue he wasted the hundreds of millions of dollars in development funds he controlled.

“Some say he blew his chance, that he did not perform well, that he did not deliver, that he failed his people,” Jesus Dureza, who advised two past Philippine presidents on Muslim issues, told AFP. The governor was notorious for spending most of his time away, including weeks at a time with a large retinue at plush Manila hotels or on Middle East tours, said Ramon Casiple, executive director of the Manila-based Institute for Political and Electoral Reform.

Nevertheless, Misuari undoubtedly retains some support and influence.

“Nur is still an icon to some Muslims,” Dureza said.

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Pamper yourself and unwind at the LA Athletic Club: A hidden treasure!

ourselves at the newly-renovated In the mid-90s, executives of LIGHTHOUSE well-appointed bar of the private, IT Network, the company I used membership-only LAAC. On a to work for, were members of the historic Los Angeles Athletic Club mid-week, the bar was surpris(LAAC) and its sister company, the ingly full of executives seeking to Marina Del Rey Yacht Club. Our listen to the smooth, relaxing jazz staff headed by VP Marketing Carol music of the piano man. After our Robins used to bring clients for refreshing drink of margarita, we lunch at the Marina Del Rey Yacht decided to envigorate ourselves in Club and after work, we would go their sauna and jacuzzi rooms. unwind in downtown LA’s hidden Their massage services would have been nice, but it was getting treasure at the LA Athletic Club, to swim, use their fitness room, or BY MYRNA AQUITANIA late so we decided to go back next time. LAAC offers a selection of sleep and relax in one of their private massage services such as: Swedish, Aromatherapy, guest rooms.

Since our company relocated back East, I haven’t Deep Tissue and Desert Hot Stone. They even offer been back since to use the great facilities at LAAC Pregnancy Massages for pregnant women.

LAAC’s olympic swimming pool is opened on except when I’m in the area and need to use a secured weekdays at 7:45 a.m. to 7:30 p.m. and weekends parking place.

The philosophy of LAAC since it was founded at 4:45 pm to 10 p.m. The Club has a hotel and variback in 1880 is “health and mind, body and spirit ous function rooms which can be used for meetings flourish.” Added to that philosophy is their belief and a main banquet room for special events. Other that “a healthy lifestyle includes family, friends and sports-oriented events and amenities at LAAC are: trying new things.” What makes them unique is just Aerobics, Zumba classes, Boot Camp, Pilates, Cythat: their “comprehensive approach to health.” cling, Kickboxing, Rowing, Tai Chi, Yoga, Squash, This week, after a full day’s worth of grueling Hardball Racquetball and Basketball. For more inwork at LA’s jewelry district which is a block formation you may log on to their website at: www. away, MaryAnn Ramos-Samadi and I pampered laac.com/athletics.

Worried about debt? Think of Adam’s restriction Adam was the first man What was the promise created by God, my God, the of America? In America, it BANKRUPTCY God of Moses and Israel, who doesn’t matter who you are, sent His only and beloved Son, what your race is, what your Jesus Christ, to mankind, who religion is, you can succeed. became incarnate through the You study, you work, you build Blessed Virgin Mary and willup a business, and you live ingly suffered and died on the the promise of America. You cross for us, because He loved were also told; don’t borrow us so, to redeem us from the money except to buy a house consequences of sin, so that to live in, or a car. So, what

BY ATTY. we may have eternal life with is this restriction about not LAWRENCE YANG Them in paradise. What was borrowing money? You think Adam’s restriction and what you make good money, good does that have to do with your debts? credit so you decide to incur all kinds of debt Adam was free to roam around paradise and because you do not want to be restricted. The eat from every fruit tree there, except one. God creditors tell you, you can borrow money to told him “You can eat from every fruit, except buy ten houses, five cars, and travel the world one.” Well, if you ask me, it’s a great deal. in style, don’t restrict yourself to your income, Imagine if you were allowed into a new buffet and don’t live within your means. restaurant, for free. That new buffet restaurant If you have already borrowed too much had all kinds of great food in it. It had seafood, money, consider a Chapter 7 or 13 bankruptcy, steaks, Asian, Mexican, anything you can to start fresh without debt while keeping your think of, they had it. You want sushi, they had assets and income intact. Adam did not have a hundred kinds of sushi and hand rolls. You a second chance. He and his wife, Eve, were want Asian; they had Chinese, Thai, Japanese, expelled from Paradise after they listened to Filipino, Burmese, and even Laotian. You want Lucifer and ate of the forbidden fruit that gave European; they had French, German, Irish and them knowledge of good and evil. That was even Swiss. You want Middle Eastern; they had the fall of man from the good graces of God. Persian, Lebanese and even Syrian, untainted Fortunately for us, even if Adam and his deby chemicals. You get the idea. However, the scendants, us, were not given a second chance owner of the restaurant told you that you can at that time to reenter paradise, eat anything you wanted in his buffet restauGod so loved us that He sent His only and rant, for free, but you are not to eat the Korean Beloved Son, Jesus Christ, to the world to rekimchi on table 1. Just imagine that, you can deem us from what Adam and our sinful nature eat anything you want for free! has done to us. We were damned to hell, but However, you invite your friend, Lucifer Jesus agreed to die for us so that we could be to the buffet, because the owner gave you two given the chance to enter heaven again. We are free tickets to the buffet. Lucifer now tells you, so lucky because our God loves us so even if “What kind of deal is that? It sucks. You cannot we are not deserving of His love! eat everything in the buffet because you are Lawrence Bautista Yang is a graduate of prohibited to eat kimchi.” And you tell Lucifer, Georgetown University Law Center and has “Who cares, I hate kimchi. Even my dog hates been in law practice for thirty years. He spekimchi. We can eat everything in the buffet, cializes in bankruptcy, business and civil litigaexcept kimchi!” So, Lucifer replies, “The owner tion and has handled more than five thousand is restricting you because if you eat kimchi, you successful bankruptcy cases in California. He will become like God.” So, you see the subtle speaks Tagalog and looks forward to discusstwist in reasoning can change how you look ing your case with you personally. Please call at something which you thought was a great Angie, Barbara or Jess at (626) 284-1142 for an deal, because it is a great deal, into suspicion appointment at 1000 S Fremont Ave, Mailstop and doubt.

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Worried about debt? Depend on Jesus People with debts and will last forever. So, problems are worried your debt problems are BANKRUPTCY sick about their debts. small and won’t last very Almost daily, clients long. And you can rely tell me that they cannot on Jesus. He will supsleep and very worried ply all you need! This is about their debts. They true because this is what have long faces and look the Bible says, and the troubled. Sometimes, I Bible is the word of our tell them that God, my God. We must depend on God, the God of Moses Jesus and trust in Him to

BY ATTY. and Israel, who sent His solve our problems. By LAWRENCE YANG only and beloved Son, trusting in Jesus, you Jesus Christ, to us, who depend on the power of became man through the Blessed Virgin the Almighty, the one true God, the creator Mary, and willingly suffered and died for of heaven and earth. His resources and us on the cross, so that we may have eternal power have are limitless because He is the life with Them in paradise, has blessed you one True God. and your family with good health. This The movie “Life of Pi” suggests that the seems to make them feel better. one True God has different names. It states Philippians 4:19: But my God shall that God the Father, the Father of Jesus, is supply all you need according to his rich- also known as Buddha or Allah, or Shiva. ness in glory by Jesus Christ. 2 Corinthian This is FALSE. Even Joel Osteen has said 4:17: For our present troubles are small this. During his interview with Larry King, and won’t last very long. Yet they produce he said that he grew up in India where his for us a glory that vastly outweighs them father was a missionary, and the Indians,

he observed, were very religious in the worship of their god, Shiva. He said that for these religious people who sincerely worshipped their god, they should also be able to go to heaven. This is FALSE. We are saved only through the blood of Jesus Christ who suffered and died for us on the cross. It is only through Jesus that we are saved. There is no other way.

How do I know this? The first commandment given by God to Moses is “I AM THE LORD YOUR GOD. YOU WILL HAVE NO OTHER gods BEFORE ME.” It’s clear that God is saying that He is the one true God. From the Bible, we know that God’s name is Yahweh. His name is not Buddha, Allah or Shiva. He sent his only Son to die for our sins. Jesus Christ, His Son, willingly shed His blood for us, so that we can enter heaven. It is the blood of Jesus that washes away our sins, that allows us to enter heaven. He can do this for us because He is the son on the one true God. This is why Jesus resurrected Lazarus from the dead, and this is why Jesus predicted his own death on the cross and predicted that He would resurrect from the dead on the third day after his death on the cross!

Buddha did not predict his own death,

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and he did not resurrect from the dead because Buddha was merely a man, a very enlightened one, but only a man, nevertheless, just like you and me. But St. Peter, the disciple of Jesus, raised Tabitha from the dead, in the name of Jesus. Tabitha, who was a believer in Jesus, had fallen sick and died and her cadaver had already been washed. St. Peter knelt beside her body and prayed, and said to her “rise Tabitha”. She then rose from the dead. Our God has the power over life and death because He is the one True God, He is the Almighty.

So, depend on Jesus Christ. He loves you so that He died on the cross for you!

Your present debt problems are” small and won’t last long.”

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years.

He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

‘Eraser’ law will let California kids scrub online past LOS ANGELES, September 25, 2013 (AFP) – Teenagers’ nightmarish propensity to post underage party hijinks, flesh-flashing and nasty commentary online have found a dream come true in California, which will soon let them erase their tracks.

The first-of-its-kind “eraser button” law, signed Monday by Governor Jerry Brown, will force social media titans such as Facebook, Twitter and Google let minors scrub their personal online history in the hopes that it might help them avoid personal and work-related problems.

The law will take effect on January 1, 2015.

“Kids so often self-reveal before they self-reflect,” James Steyer, founder of Common Sense Media, a nonprofit group in San Francisco that pushed for the law, told the San Francisco Chronicle.

“Mistakes can stay with teens for life, and their digital footprint can follow them wherever they go.”

The issue grows increasingly important as the first generation to grow up entirely in the Internet era finds the contents of its online life become more voluminous every

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day – as well as being largely searchable.

Social media sites will be required to inform their users about the new rights. Twitter and Facebook already make deleting pictures and comments an option.

‘This is a groundbreaking protection for our kids who often act impetuously with postings of ill-advised pictures or messages before they think through the consequences.

They deserve the right to remove this material that could haunt them for years to come,” said California state senator Darrell Steinberg.

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Weekend, Sat. - Fri., September 7-13, 2013

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Your debt problems and the Tower of Babel Previously, we talked about Noah who was instructed by God, my God, the God of Moses BANKRUPTCY and Israel, who sent His only and beloved Son Jesus Christ, to us and who willingly became man through the Blessed Virgin Mary, suffered and died on the cross to redeem us from the consequences of sin so that we may have eternal life with Them in paradise, to build an ark. The ark was to save Noah and his family and two of each animal from the flood that would destroy all of mankind and everything on earth. God was displeased with manBY ATTY. kind which had been corrupted by sin and the devil.

LAWRENCE YANG The only humans that were saved after the great flood were Noah and his family. The descendants of Noah increased in number. There was a lot of in breeding, cousins marrying cousins.

Because of this, the average height of Noah’s descendants was four feet, and they were not that smart. However, even though they were short, they had large heads and

were full of pride. As they increased in number, they began to spread eastward and found a fertile area called Shinar. They all spoke a single language called Noahbyte which was a fusion of Chinese and French.

They decided to build a city with a tower that “reached to the heavens”. The people of Babel said, “Come, let us build ourselves a city, with a tower that reaches to the heavens, so that we may make a name for ourselves and not be scattered over the face of the whole earth.” Being simple-minded, the Noahbytes thought that heaven was not far above the earth. If only they could build a tower to the sky, they could climb up and be like gods themselves. So, mankind had once again lost sight of God and become arrogant and self-sufficient. They thought that if they could reach heaven by building a skyscraper that would reach the clouds they could become gods once they set foot in heaven.

They also thought that everyone of them could live in the building, like a condominium. Each family would have its own condo. After all, it would be the world’s tallest building. But elevators had not yet been invented. According to the architect, it would take a four foot Noahbyte three whole months to walk up the stairs to the penthouse suite. Everyone wanted the ground floor condos and no one wanted any condo higher than the 10th floor. The penthouse suites were being given away for free and there were no takers.

How high was the Tower of Babel? Let’s compare it to the tallest building in the world in 1929 which was the Chrysler building in America at 319M. The Taipei 101 was the tallest for six years since 2004 at 508M. Now the record is held by the Burj Khalifa in Dubai at 828M since 2009, replacing the Shanghai Tower at 632M. The tallest building in the world is now being constructed in Changsa, China for completion next year 2014 at 838M. So, given the low tech construction technology of the Noahbytes, probably the Tower of Babel was 150M high. That’s a lot of mud and rocks.

God saw this as pure arrogance. He put an end to the people’s delusions of being powerful and important like gods. “If as one people speaking the same language they have begun to do this, then nothing they plan to do will be impossible for them.

Come, let us go down and confuse their language so they will not understand each other.” So, God made the people speak many different languages so they could not work together on building the tower. The architect told the engineer to calculate the stress load for the third floor in Spanish. The engineer replied “I don’t understand you” in Mandarin. The foreman told the carpenter to finish the stairs immediately in Japanese. The carpenter replied, “What the f… are you saying” in Tagalog.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Tagalog and looks forward to discussing your case with you personally. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S Fremont Ave, Mailstop 58, Bldg A-1 Suite 1125, Alhambra, CA 91803.

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