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Captain Cesar Solis

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									B MAY 5-7, 2010 • LA MIDWEEK ASIAN JOURNAL                                                  Community Journal                                                                        http://www.asianjournal.com • (213) 250-9797

        MINDING
      YOUR FINANCES                    You can ‘repair’ your
                                       credit after bankruptcy
                                       ing to understand how the credit      filing bankruptcy, there are still
                                       scoring system works. Go to a         several credit card companies
                                       bookstore and get a few good          who will give you a “secured”            Political empowerment is still a treasure that eludes us as a community here in America. While we are the second largest Asian
                                       books on this subject. For start-     Visa or MasterCard (in spite of        American community in the United States, we have yet to harvest the power that comes from our numbers. The Voice of FilAmerica
                                       ers, you may want to purchase a       your bankruptcy) if you pledge         features elected and appointed officials – regardless of political affiliation – in the different US states who are of Filipino ancestry. As
                                                                                                                    your Filipino American community newspaper, the Asian Journal recognizes the fact that we all have a responsibility towards bringing
                                       book called, “Credit After Bank-      a certain amount (sometimes
   Atty. RAymond BulAon                ruptcy” by Stephen Snyder. You        as low as $200) as collateral. I
                                                                                                                    political empowerment to fruition, especially for our future generations. It is our hope to have our voices heard all over America.



                                                                                                                                              Captain Cesar Solis
                                       can also go to www.myfico.com         often advise clients to open at
   CONTRARY to popular belief,         where you will find some free         least 3 new credit card accounts
credit repair after bankruptcy is      educational materials that will       with no less than $1,000 each.
easier than you might think. If        help you understand your FICO         The higher the credit line, the
you are in debt and are thinking       score.                                better it will look on your credit    Highest-ranking Asian cop in San Diego Police Department
of bankruptcy as a last resort,           Although Chapter 7 stays on        report. Use these cards to pay          IN August 2008, Filipino Ameri-                                                      Department!” said Alicia De Leon
perhaps the idea of not being          your credit report for 10 years       for groceries, gas, etc. in lieu     can Capt Cesar Solis made history                                                       Torres, national director of the Na-
able to get credit again is the        (7 years for Chapter 13), you         of cash and pay them off in full     as he was appointed Assistant Chief                                                     tional Asian Pacific American Fami-
only thing that is stopping you        don’t need to wait that long to       at the end of each month. Use        of America’s Finest in the San Di-                                                      lies Against Substance Abuse.
from doing what you need to            get credit again. First, you will     no more than 30% of the out-         ego Police Department. Solis then                                                            As a child, Captain Solis had
do. Don’t be discouraged. You          need to open new lines of credit.     standing credit line in any given    became the highest-ranking cop of                                                       dreamt of becoming a fighter pi-
just need to know the necessary        Second, you will need to pay          month (i.e. do not max them out      Filipino and Asian descent. Both the                                                    lot, and then refocused his atten-
steps and they are not compli-         your bills on time and in full to     so prove that you are handling       Filipino and Asian communities in                                                       tion to law enforcement while in
cated at all.                          start replacing “bad credit” with     credit responsibly).                 the City of San Diego celebrated the                                                    high school. He worked odd jobs,
   Bill collectors will often tell     “good credit”. Don’t be fooled            Purchasing a car is not a        promotion, which included another                                                       including a stint as a manager of a
you that your credit will be ru-       by so-called “credit repair”          problem even after bankruptcy        officer, Captain Bob Kanaski.                                                           KFC restaurant. He joined America’s
ined forever if you file bank-         companies who promise to de-          (as long as your bankruptcy has         “I have every confidence that Bob                                                    Finest almost 29 years ago and has
ruptcy and that it is the worst        lete your bankruptcy from your        been discharged) although in         and Cesar will continue to be suc-                                                      consistently risen from the ranks. He
mistake that you can ever make.        credit report, usually for hun-       the beginning, you will pay high     cessful leaders and steer our depart-                                                   has served as a lieutenant at Western
This is a big lie. The truth is that   dreds or thousands of dollars.        interest rates. You may not have     ment in a positive direction. I look                                                    and Central Divisions, SWAT, narcot-
there are simple steps that you        You cannot legally erase a bank-      a choice but to do this in the be-   forward to working with them in their new assign-                         ics sections, gangs, community relations and the
can take after bankruptcy so           ruptcy from your credit report.       ginning but after a year, see if     ments,” Police Chief William Lansdowne said in a                          emergency negotiations team.
that in as little as 2-4 years, you    But there are things you can          you can find another lender who      statement to the Philippine Village Voice.                                   After his promotion to captain in 2005, Solis
can significantly improve your         do to shift the credit bureaus’       can refinance you. I suggest that       Police Captain Cesar Solis is an immigrants’                           was appointed to command the department’s
credit score. Knowledge can            focus to your recent activities,      you open a savings account with      son whose parents hail from Naic, Cavite, in the                          southeastern district, the most diverse and prob-
become power but only if you           from things that happened in          a credit union and start building    Philippines. Captain Solis’ advancement made                              lematic with a huge population of Filipinos, His-
use it. What you need to do is         the past.                             a good relationship with them.       him the only Filipino to have reached the position                        panics, African Americans and other Asians. Un-
to become informed so that you            When you file bankruptcy, you      After some time, ask them to         and rank within a notch of being the top cop in                           der his command then was Investigations II which
can arm yourself with the knowl-       do not need to include credit         help you with a refinance at a       the police department of the City of San Diego,                           includes homicide, robbery, gangs, economic
edge that you need instead of          cards with zero balances and un-      lower interest rate.                 California’s second, and the nation’s eighth, larg-                       crimes, auto theft, District Attorney Liaison Unit
simply believing everything            less the creditors find out about         Bankruptcy is a beginning,       est with an estimated population of 1.3 million.                          and the Metro Arson Strike Team (MAST).
that people tell you. In rebuild-      your bankruptcy through other         not an end. If you are in debt,         “Not only is this great for the department and                            As assistant chief, Captain Solis presides over
ing your credit after past credit      means, you may keep those             have a foreclosure or already        the community, but it is also a historic occa-                            Centralized Investigations which includes units
problems such as foreclosure,          cards and use them to rebuild         have delinquent accounts on          sion - Cesar is the highest ranking Asian-Pacific                         such as child abuse, vice, narcotics, economic
lawsuits, collections and bank-        credit. On the other hand, if you     your credit report, you may ac-      Islander in the history of the San Diego Police                           crimes, homicide and robbery. n
ruptcy, take the first step of try-    are left with no credit cards after                         u PAGE B4

                                                                                                                                                                   SB 1070 backfires:
                                                                                                                                                                   Reignites federal immigration
                                                                                                                                                                   reform movement
                                                                                                                                                                                                                     lems with mounting crime and
                                                                                                                                                                            IMMIGRATION                              violence at its southern borders,
                                                                                                                                                                               EDGE                                  the law’s over-breadth and pat-
                                                                                                                                                                                                                     ent vagueness belie a much
                                                                                                                                                                                                                     more sinister and hateful intent.
                                                                                                                                                                                                                     First, the law is unconstitutional,
                                                                                                                                                                                                                     as a violation of the 4th Amend-
                                                                                                                                                                                                                     ments prohibition against illegal
                                                                                                                                                                                                                     searches and seizures and the
                                                                                                                                                                                                                     Supremacy clause. What could
                                                                                                                                                                                                                     possible constitute “reasonable
                                                                                                                                                                                                                     suspicion” a person is in the
                                                                                                                                                                        Atty. dAniel HAnlon                          country illegally, Latino or Asian
                                                                                                                                                                                                                     appearance, or perhaps speak-
                                                                                                                                                                      THE prospect for Federal                       ing with an accent? The law
                                                                                                                                                                  Immigration Reform in 2010                         sets no standards in this regard
                                                                                                                                                                  seemed to have all but evapo-                      and would easily be abused by
                                                                                                                                                                  rated last month, as Congress                      local enforcement, especially in
                                                                                                                                                                  found itself mired in yet another                  Maricopa County where Sheriff
                                                                                                                                                                  partisan dogfight over banking                     Joe Arpaio is already known for
                                                                                                                                                                  reform.     With Arizona’s pas-                    radical, anti-immigrant actions.
                                                                                                                                                                  sage of SB 1070, however, the                      More fundamentally, the law at-
                                                                                                                                                                  Federal Government has mo-                         tempts to usurp the Federal Gov-
                                                                                                                                                                  bilized to stave off other such                    ernment’s plenary authority over
                                                                                                                                                                  ill-advised attempts by states to                  immigration, which violates the
                                                                                                                                                                  regulate immigration. On April                     Supremacy Clause.
                                                                                                                                                                  29, 2010, Senators Reid, Durbin,                      The Arizona law is likely to
                                                                                                                                                                  Schumer, Leahy, Menendez and                       never be enforced, given its du-
                                                                                                                                                                  Feinstein introduced a six-part                    bious Constitutionality and the
                                                                                                                                                                  “Real Enforcement with Practi-                     public outcry it has engendered,
                                                                                                                                                                  cal Answers for Immigration Re-                    but it has actually served as a
                                                                                                                                                                  form” proposal (REPAIR) to fix                     wake-up call to the President and
                                                                                                                                                                  our broken immigration system.                     Congress that the time for Immi-
                                                                                                                                                                  REPAIR is a blueprint for much                     gration reform is now and wait-
                                                                                                                                                                  needed reforms in the areas                        ing for a more politically oppor-
                                                                                                                                                                  of border enforcement, illegal                     tune time to address immigration
                                                                                                                                                                  employment and the registra-                       would be an enormous mistake.
                                                                                                                                                                  tion and eventual legalization of                  In response, a handful of Sena-
                                                                                                                                                                  unauthorized foreign nationals                     tors from both major parties
                                                                                                                                                                  present in the US. Ironically, it                  introduced REPAIR, as a blue-
                                                                                                                                                                  took a misguided anti-immigrant                    print for comprehensive legisla-
                                                                                                                                                                  law state law to once again bring                  tive reform. REPAIR proposes
                                                                                                                                                                  the need for comprehensive re-                     to control the border to prevent
                                                                                                                                                                  form to the forefront of the Na-                   future illegal immigration, arrest
                                                                                                                                                                  tional consciousness.                              and deport criminal aliens and
                                                                                                                                                                      On April 22, 2010, Arizona’s                   those already ordered removed
                                                                                                                                                                  Governor Jan Brewer signed                         from the US, institute mandatory
                                                                                                                                                                  into law SB 1070, which makes                      employment eligibility verifica-
                                                                                                                                                                  the failure to carry immigration                   tion, reform the family and em-
                                                                                                                                                                  documents a crime and requires                     ployment-based visa preference
                                                                                                                                                                  police to detain anyone the po-                    categories, allow for registration
                                                                                                                                                                  lice “reasonable suspect” is in                    and legalization of those already
                                                                                                                                                                  the country illegally. Although                    in the US illegally, and increase
                                                                                                                                                                  Arizona has experienced prob-                                                    u PAGE B4


                                                                                                                                                                     Apportionment of retirement
                                                                                                                                                                     benefits in divorce cases
                                                                                                                                                                     BARRISTER’S CORNER                              to earn them is performed be-
                                                                                                                                                                                                                     tween the date of marriage and
                                                                                                                                                                                                                     the date of separation. Marriage
                                                                                                                                                                                                                     of Brown. The community inter-
                                                                                                                                                                                                                     est is not affected by whether
                                                                                                                                                                                                                     or not the rights are vested or
                                                                                                                                                                                                                     matured. To the extent that the
                                                                                                                                                                                                                     work was performed before the
                                                                                                                                                                                                                     date of marriage or after the date
                                                                                                                                                                                                                     of separation, the benefits are
                                                                                                                                                                   Atty. KennetH uRsuA Reyes                         the employee spouse’s separate
                                                                                                                                                                                                                     property.
                                                                                                                                                                    ONE of the major assets a                           The apportionment of retire-
                                                                                                                                                                  divorcing couple usually has,                      ment benefits in a divorce case
                                                                                                                                                                  other than real estate property,                   must be reasonable and fairly
                                                                                                                                                                  are retirement benefits such as                    represent the contributions of
                                                                                                                                                                  company pensions, 401k, and                        the respective estates. The most
                                                                                                                                                                  other deferred compensation.                       common method of apportioning
                                                                                                                                                                  The problem in determining how                     retirement benefits between the
                                                                                                                                                                  much community property inter-                     community and separate proper-
                                                                                                                                                                  est in the retirement benefit aris-                ty is the “time rule.” This method
                                                                                                                                                                  es when the employee spouse                        apportions community property
                                                                                                                                                                  worked at a particular employer                    by the ratio of the time worked
                                                                                                                                                                  longer than the period of the                      by the employee spouse between
                                                                                                                                                                  marriage. The question that aris-                  the date of marriage and the date
                                                                                                                                                                  es is how do you apportion the                     of separation bears to the entire
                                                                                                                                                                  community property interest?                       period of employment. The re-
                                                                                                                                                                  How much of it is the employee                     maining portions are the employ-
                                                                                                                                                                  spouses’s separate property?                       ees separate property. Although
                                                                                                                                                                    Retirement benefits in a di-                     this rule is frequently used, the
                                                                                                                                                                  vorce case are usually charac-                     trial court has discretion to mod-
                                                                                                                                                                  terized as community property                      ify or to use other methods that
                                                                                                                                                                  to the extent that the work done                                                  u PAGE B3

								
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