Mortgage firms will be required to modify more loans by by654321

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									(650) 583-6818 • http://www.asianjournal.com                                              Community Journal                                                                                NORCAL ASIAN JOURNAL • DECEMBER 4-10, 2009 B

      HOMEOWNERS’
       HIGHLIGHTS                    Mortgage firms will be                                                                                                                       Will voluntary departure work?
                                     required to modify more loans                                                                                                                       LEGaL RIGHTS                  status.” Many were caught
                                                                                                                                                                                                                       crossing the border. Many of
                                                                                                                                                                                                                       the prisoners were pessimis-
                                     why lenders are slow in approv-        aimed at striking an equitable                      ternative to having a foreclosure                                                      tic about the voluntary depar-
                                     ing loan modification are:             resolution before they are al-                      or deed in lieu of foreclosure.                                                        ture program. They want to
                                        1. Banks are not doing good         lowed to proceed with the sale                      The effect of short sale on credit                                                     stay in the US, work and raise
                                     enough to modify loans.                of foreclosed homes.                                history is less severe than fore-                                                      their families. They assert that
                                        2. Vast majority of loans mod-         2. Some Democrats say the                        closure or bankruptcy. A person                                                        they make an honest living do-
   Atty. Crispin LozAno              ified remain in the trial stage        time has come to reconsider                         with short sales record can buy                                                        ing work that many Americans
                                     lasting up to five months and          a measure giving bankruptcy                         property in one to three years                                                         would not do. We met with
   The Obama Administration          only a fraction has been made          judges the right to amend mort-                     after the short sales.                                                                 field laborers, and hotel house-
will require the mortgage firms      permanent                              gages as a means of pressuring                         2. Taxpayers who intend to                       Atty. Johnson LAzAro               keepers who don’t believe that
to modify more loans in response        3. Soaring unemployment             lenders to extend reduction in                      liquidate debts where the loan                       The government proposes           the program would work.
to the public complaints about       has become a major factor why          principal.                                          amount is significantly higher                    that it will insure full coopera-       The government estimates
the banks and other mortgage         borrowers could not make pay-             3. Mr. Barr, Treasury’ assis-                    than the value of the property                    tion for illegal aliens who are      that there are approximately
companies being slow in making       ments in addition to reset of ad-      tant secretary said the govern-                     should apply for a loan modifi-                   willing to self-deport. This         31,000 detained illegal immi-
permanent loan modification.         justable rate mortgages                ment will put into shame by                         cation or short sales before the                  means that there would be less       grants nationwide. And depend-
   Last October 2009, an over-          4. Mortgage companies col-          publicly naming the lenders that                    Mortgage Forgiveness Relief                       hostility and some civility in the   ing on how many sign up for the
sight panel created by Congress      lect lucrative fees from long          move too slowly to permanently                      Act expires on December 2012.                     process of removing so-called        program, the government can
reported that fewer than 2000        term delinquency, undercutting         lower mortgage payments. he                            Note: This is not a legal ad-                  fugitive aliens from the United      save enormously on the costs of
of the 500,000 approved Loan         the incentive to lower payments        said that the government incen-                     vice. You need to talk to an at-                  States. This is part of the prem-    keeping them detained.
modifications have become per-       to affordable levels                   tive will only be given to lenders                  torney about the legal and tax                    ise of Voluntary Departure.             The success of this program
manent under the Making home            Question: What are the plans        when they permanently modify                        consequences of your specific
Affordable Program.                  in the White House and in Con-         the loans.                                          case. Our office offer FRee ini-                       A recent trip to Eloy, Arizona confirms the
   Mr. Barr, Treasury’s assistant    gress to address these prob-
                                     lems?
                                                                               4. White house spokesman
                                                                            said that they will continue to
                                                                                                                                tial consultation on Loan Modi-
                                                                                                                                fication and Short Sales only.
                                                                                                                                                                                  congestion in immigration prisons. Eloy Detention
secretary said we are seeing a
failure by some of the bigger           Answer: The Administration          refine the Making home Afford-                                     ***                                Center is temporary home to more than 1,500
banks on executions. Bank of         and Congress are considering
                                     the following:
                                                                            able program until more bor-
                                                                            rowers are approved for perma-
                                                                                                                                   Crispin Caday Lozano is an active mem-         illegal immigrants caught by Immigration Agents.
America which service majority                                                                                                  ber of the State Bar of California and he spe-
of home mortgages in the coun-          1. Within the Senate, some          nent loan modification.                             cializes in immigration law. His offices are      The Center is located in the middle of the Arizona
try is on the tail end of lenders    discussion focuses on a national
                                     foreclosure program modeled
                                                                               5. Capitol hill aides said that
                                                                            there is an emerging consensus
                                                                                                                                located at 17057 Bellflower Blvd. Suite 205,      desert. Many prisoners are taken from locations in
who made loan modifications.                                                                                                    Bellflower, CA 90706 and 1290 B Street,
   Question: What are the rea-       on one started last year in Phila-     that the MhA program has to be                      Suite 205, Hayward, California 94541 and          Northern California. They are brought to Eloy due
sons why lenders are slow in         delphia. The program forces
                                     mortgage companies to submit
                                                                            restructured or a new approach
                                                                            has to be made.
                                                                                                                                at 777 N. First St., Suite 333, San Jose, CA      to the overcrowding of jails in Northern California
approving a loan modification                                                                                                   95112. You can contact him at telephone
request?                             to court supervised mediation             Tip of the week                                  (562) 461-1355 and (510) 538-7188.                cities.
   Answer: Among the reasons         with the delinquent borrower              1. Short sales are a better al-                                         (Advertising Supplement)      The question is how many          will depend on the number of
                                                                                                                                                                                  of the over 12 million illegal       participants. however if the de-

                                     Please release me…Bond determination
                                                                                                                                                                                  immigrants will take the offer.      tainees in eloy had their way,
        THE CTv FILES                                                                                                                                                             The program is called “Opera-        the government would have
                                                                                                                                                                                  tion Scheduled Departure.” It        to be content on playing the
                                                                                                                                                                                  comes in a time when bor-            “cat and mouse game.” Most
                                     more than 387,000 in the same          the person detained is not re-                      viduals using the following meth-
                                                                                                                                                                                  der patrols and immigration          of the prisoners we spoke to in
                                     period—an increase of 65 per-          leased, the non-citizen may re-                     ods: telephone reporting, radio
                                                                                                                                                                                  enforcement agents are ex-           eloy prefer to stay and work in
                                     cent over the previous year.           quest for a bond determination                      frequency, global positioning
                                                                                                                                                                                  tremely busy in raiding work         America. And although this is
                                        Once the non-citizen is taken       before the Immigration Court to                     system (GPS), and unannounced
                                                                                                                                                                                  places to catch illegal aliens.      not an indication that the volun-
                                     into custody and detained, ICe         obtain his release.                                 home visits.
                                                                                                                                                                                  ever since Congress failed to        tary departure program would
                                     will begin processing the non-            The non-citizen may also re-                        Requesting for bond determi-
                                                                                                                                                                                  pass the immigration reform          fail, it shows that this program
                                     citizen for removal. ICe shall is-     quest for a bond re-determina-                      nation is only but the beginning
                                                                                                                                                                                  bill, the country has seen an        may not be the most effective
 Atty.Dennis e. ChuA, esq.           sue a Notice to Appear which is        tion before the Immigration                         of the individual’s removal pro-
                                                                                                                                                                                  increase in raids and enforce-       way to fix this nation’s broken
                                     a document informing the non-          Court to ease the conditions of                     cess. It is important that the in-
                                                                                                                                                                                  ment of immigration laws. Im-        immigration system.
   We hear stories about agents of   citizen of the immigration charg-      the release or to lower the bond                    dividual in proceedings know his
                                                                                                                                                                                  migration detention centers             Under the program, eligible
the US Immigration and Customs       es against him and that he needs       set by the local office.                            rights and the reliefs that may be
                                                                                                                                                                                  are crowded and Immigration          immigrants will have up to 90
enforcement (ICe) conducting         to appear before an immigration           There are two ways for friends                   available to him in order to fight
                                                                                                                                                                                  Courts all around the country        days to organize their depar-
dawn raids on private residenc-      judge for a removal hearing.           and family members of the per-                      his removal.
                                                                                                                                                                                  are jammed with cases.               ture from the US In some cas-
es and business establishments                                              son detained to post bond. They                                           ***                                                              es, the government may assist
                                                                                                                                                                                     A recent trip to eloy, Ari-
looking for criminal aliens and         The person detained may be          may either pay the full amount                          Atty. Dennis E. Chua is a partner in The
                                                                                                                                                                                  zona confirms the congestion         with or pay for travel arrange-
visa violators. Many individuals     released from ICe custody after        in the form of a money order or                     Law Firm of Chua Tinsay and Vega (CTV), a full
                                                                                                                                                                                  in immigration prisons. eloy         ments. For some, this may be
who happen to be in that area        posting the requisite bond. how-       cashier’s check directly to the                     service law firm with offices in San Francisco,
                                                                                                                                                                                  Detention Center is temporary        better than getting chased,
and are not even the target of       ever, not all persons detained         Department of homeland Secu-                        San Diego and Manila. The information
                                                                                                                                                                                  home to more than 1,500 ille-        handcuffed, and thrown into
these raids have been included       can be released from ICe custo-        rity or go through an authorized                    presented in this article is for general
                                                                                                                                                                                  gal immigrants caught by Im-         a holding cell in the middle of
in these immigration sweeps.         dy. Some individuals will be sub-      bond or surety company. These                       information only and is not, nor intended to
                                                                                                                                                                                  migration Agents. The Center         the desert.
These sweeps have resulted in        ject to mandatory detention and        companies usually require a                         be, formal legal advice nor the formation of
                                                                                                                                                                                  is located in the middle of the                       ***
the arrest and detention of non-     therefore cannot be released on        fee of 10% of the bond amount                       an attorney-client relationship. Call or e-mail
                                                                                                                                                                                  Arizona desert. Many prison-             Lazaro Law Group represents immigrants in all
citizens of the United States.       bond or recognizance.                  which is non refundable and a                       CTV for an in-person or phone consultation to
                                                                                                                                                                                  ers are taken from locations         50 States. The firm handles Civil litigation, Family
   Pertinent US laws provide that       The local district office where     home with sufficient equity.                        discuss your particular situation and/or how
                                                                                                                                                                                  in Northern California. They         Law and Business. The main offices are located
on a warrant issued by the Attor-    the individual is detained makes          The bond is set to guarantee                     their services may be retained at (415) 495-
                                                                                                                                                                                  are brought to eloy due to the       in Downtown San Francisco with branch offices in
ney General through ICe, a non-      the initial custody and bond de-       the appearance of the non-citi-                     8088; (619) 955-6277; Dchua@ctvattys.com.
                                                                                                                                                                                  overcrowding of jails in North-      Newark, Fremont and Union City and an international
citizen may be taken into custody    termination. If the non-citizen        zen in all hearings before the im-                  The CTV Attorneys will be at Max’s Restaurant
                                                                                                                                                                                  ern California cities.               office in Makati Philippines. Please call them at (415)
and detained pending a decision      shows that he or she is not a          migration court. If the individual                  in Vallejo on October 19, 2009 from 5pm to 7pm
                                                                                                                                                                                     While in eloy, we spoke           278-9577 or Email at Law@LazaroLaw.com. Website:
on whether the non-citizen is        danger to the community or a           fails to appear, the bond will be                   to hold a FREE legal clinic.
                                                                                                                                                                                  with many prisoners whose            www.LazaroLaw.com.
to be removed from the United        flight risk, the district office may   forfeited.                                                                 (Advertising Supplement)
                                                                                                                                                                                  only crime were to be “out of                                    (Advertising Supplement)
States.                              set bond at the minimum which             As an alternative to detention
   Detention of non-citizens by      is $1,500. There are instances         or the release of an individual
ICe has become the country’s         where the district office can re-      on bond, the non-citizen may be
fastest growing form of incarcer-    lease the person at his own re-        subjected to ICe’s Intensive Su-
ation of individuals. The Associ-    cognizance.                            pervision Appearance Program
ated Press has reported that na-        If the local office does not        or ISAP. Under this program,
tionwide, deportations jumped to     make a bond determination and          ICe monitors participating indi-


 DR. vaL’S DENTaL vIEWS
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                                        A veneer is simply a wafer-         veneers can last many years in
    Dr. VALerie De Leon              thin shell of porcelain created in     addition to eliminating unsightly
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up with braces—not anymore!          permanent. The porcelain mate-         easy it is to smile again.
Today’s aesthetic dentistry can      rial used in today’s veneer allows                       ***
correct embarrassing dental          light to penetrate through to the         If you have questions, pls call Dr. Valerie de
defects much more easily and         underlying tooth’s surface, giv-       Leon at (650) 697–9000 or visit our website at
quicky than in the past.             ing the new surface a dramati-         www.millbraesmiles.com. She is with Millbrae
   One innovation that dentists      cally natural, life-like appear-       Smile Center located at 15 El Camino Real,
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types of problems is the porcelain      If you drink coffee, tea, red       Academy of Cosmetic Dentistry, Academy of
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Inaugural Tagalog Mass on Dec. 6
at St. Thomas More Catholic Church
   SAN FRANCISCO—The Filipino-American                     The FACC is particularly grateful to pastor Mon-
Catholic Community [FACC] at St. Thomas More            signor Labib Kobti who initiated the idea to have a
Church are pleased to invite family and friends to      Tagalog mass for the many active parishioners with
the first Tagalog monthly mass on Sunday, De-           roots in the Philippines. he also commissioned the
cember 6, at 4pm.                                       colorful mural and artworks which include a de-
   every first Sunday thereafter, Tagalog Mass will     piction of Fathers Mariano Gomez, Jose Apolonio
be held at 5:30pm, however, the families at STM         Burgos, and Jacinto Zamora, the martyred “Gom-
will inaugurate the first mass with a procession        burza” priests who strived for independence from
to the church’s newly-created shrine and mural          Spanish oppression and were executed in 1872.
which celebrates Filipino saints, history and cul-         St. Thomas More is located at 1300 Junipero
ture. This will be followed with a potluck celebra-     Serra Boulevard at Brotherhood and Thomas More
tion in Scanlan hall.                                   Ways.


           Family Appointment with
             Yahweh El Shaddai
      eVeRYONe is invited to join a family               6:30pm-9pm at Our Lady of Guadalupe
    appointment with Yahweh el Shaddai,                  Church in 2020 east San Antonio Street,
    the God who is more than enough where                San Jose CA 95116.
    Jesus Christ is Lord, on the first, second             For more information, please contact
    and third Saturdays of the month from                Ann Pascua at (408) 987-9610.

								
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