Family-based immigration Visas can allow relatives of U.S. citizens and lawful residents to immigrate to and take up residency in the United States. There are two main types of these Visas: those for Immediate Relative Immigrants and those for Family Preference Immigrants. Within each of these family-based immigration Visa categories are several different types of Visas; the type of Visa a person is eligible for depends on their relationship to the U.S. citizen or resident, their marital status, and their age.
When the great recession hit, more people found themselves struggling with serious financial problems. They may have lost their jobs or seen their hours reduced, making it difficult for them to have a stable source of income. Because of this, many people had to create strict budgets that allowed them to better track where they spent their money each month.
Now, as the economy shows signs of a rebound, individuals are once again finding themselves spending money more freely. When they have resources available, it is not a problem. However, research has shown that people are taking on more credit card debt, which could lead to serious financial concerns should they be unable to pay down these balances.
A key challenge that many people must overcome in deciding to file for bankruptcy is simply admitting the need for it. When you're struggling to pay your bills, it's easy to get down psychologically. This is a problem for many people in the San Antonio area and across the country.
But before you beat yourself emotionally anymore, consider that the ranks of those who have declared bankruptcy include many very successful people. For example, Dave Ramsey, the enormously popular self-help seminar leader, once filed for personal bankruptcy himself.
Debt collectors do not get to do whatever they want. Federal and state laws limit what they are allowed to do. Nationally, of course, the key law is the Fair Debt Collection Practices Act (FDCPA).
In the San Antonio area and across the nation, people who are struggling with debt are supposed to be protected by these laws. But many creditors still try to harass debtors or engage in other illegal forms of debt collection.
Responding to such tactics on behalf of consumers is one role a bankruptcy attorney can play. As we regularly seek to explain in this blog, bankruptcy is often a sound strategy for people seeking debt relief.
The EB-5 visa can allow foreign immigrants to gain conditional permanent residency in the United States by investing in new businesses and creating jobs in the U.S. The process for EB-5 investors is fairly straightforward.
The need for meaningful relief from credit card debt is an issue we continue to follow closely in this blog. As we discussed in our May 10 post, consumers have been cutting down recently on the amount of debt they are taking on. But problems with credit card still plague many people in San Antonio and across the nation.
Bankruptcy remains a viable option for addressing the issue in many cases. To be sure, much depends on individual facts and circumstances. But the goal of the nation's bankruptcy laws of providing a fresh financial start for debtors should not be forgotten.
There are many types of visas that can allow foreign immigrants to take up residency in the United States. One such type is the EB-5, or the Immigrant Investor visa. The EB-5 is a fairly recent visa class, created by Congress in 1990 as a way to stimulate the domestic economy. Put simply, the investor visa rewards foreign immigrants who invest money in new United States businesses, thus creating jobs for U.S. citizens. Individuals who are awarded an EB-5 visa are granted conditional permanent residency and green cards in the U.S.
When you hire a new employee, you're required by law to collect a completed I-9 form from them, verifying their citizenship and right to work in the U.S. You must keep these forms on file for at least three years after they begin work, or if they leave the position, for one year from their last date of employment. In order to ensure you're compliant with these I-9 regulations and that you are not hiring illegal aliens or persons unauthorized to work in the country, the Department of Immigration and Customs Enforcement regularly conducts I-9 audits. As an employer, it's important to be prepared for these audits, or you could face significant fines and even jail time. Not sure how to ensure your company is ready for an upcoming audit? Check out our helpful I-9 audit checklist below.
For decades, the middle class has bought into a promise that is a basic premise of American life. Studying hard and staying in school is supposed to pay off. Even if individuals and families have to borrow tens of thousands to do it, there is supposed to be a good job on the other end of the rainbow.
The Great Recession and a continuing lack of enough good jobs have shaken many Americans' faith in promises that were once taken for granted. In the San Antonio area and across the country, more and more people are struggling with student loan debt. Many are even questioning their decision to go to college in the first place.
The DREAM Act: You've probably heard of it before. It's been in the headlines, debated in congress, and discussed on news programs endlessly over the past decade, but exactly what is the DREAM Act law anyway?