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Supreme Court upholds Obamacare What you should know about reaffirmation in bankruptcy See whole article on page 6 for more details. Read full article on page 6. False testimony may cause denial of naturalization application See whole article on page 3 for more details. ENTERTAINMENT Sex on TV- page 7 VIEW US ONLINE: WWW.FILAMPOST.COM FREE Its Grace-Chiz, Trillanes says VOL. 3 ISSUE 36 S Supporters of Makati Mayor Junjun Binay throw plastic chairs and other objects to the police to prevent the officer serving the suspension order on Binay at the Makati City Hall on Tuesday. After police restored order, the DILG representatives were able to post the notice. Full Story on page 2. Purisima, Petrasanta, 9 other PNP officers dismissed from service HE Office of the Ombudsman sacked resigned police chief Alan Purisima for his alleged involvement in a P100million shady deal with a private courier service company. In a 50-page decision cited in a statement on Tuesday, the Ombudsman dismissed Purisima from service following its investigation over the allegedly anomalous contract with WerFast Documentary Agency, Inc. Also dismissed from service is Police Chief Supt. T Raul Petrasanta, a former official of the Philippine National Police (PNP) Firearms and Explosives Office (FEO) and now Central Luzon police director. Petrasanta is being eyed as the next PNP chief and was even endorsed to the President by Speaker Feliciano Belmonte Jr. The others dismissed from service are former FEO officials Chief Superintendent Napoleon Estilles, Senior Superintendent Allan Parreño, Senior Supt. Eduardo Acierto, Senior Supt. (Cont. on Page 6 ) ENATOR Grace Poe, who is leading the latest surveys on voters presidential preference for the 2016 election, has already decided to run for president, according to Senator Antonio Trillanes IV. Speaking in an interview on the ABS-CBN News Channel, Trillanes said they obtained the information that Poe has made decision to run, but he declined to reveal his sources. Poe could be reached for comment as she has been out of the country with her family and this was confirmed by her press officer Mimi Gonzales who said the senator is spending time with her kids abroad. Poe has remained mum about any plan to run for JULY 01, 2015 - JULY 07, 2015 higher office in the coming wait for a formal announcepolls even as she dislodged ment which they will make Vice President Jejomar Bi- probably in September, furnay from the top position in ther said Trillanes. voter preference surveys. Escudero also could not The neophyte senator has be reached for confirmation maintained that she has no although he has repeatedly resources to launch a na- said he and (Cont. on Page 2 ) tional campaign and had no political party. She has NPA commander reiterated that she will remain an independent can- Pitao tipster to get didate although President P5.6M bounty Benigno Aquino III himself confirmed that he had AGUM CITY, Davao—The discussed matters with the person who tipped off the military regarding the whereabouts of senator. In the same television New People’s Army (NPA) comLeoncio Pitao will get the interview, Trillanes also mander P5.6-million bounty offered by the divulged Sen. Chiz Escu- government for the capture, dead or dero will be fielded as Poe alive, of the communist leader, the military said on Monday. s running mate. And they re going at it as Maj. Gen. Eduardo Año, commander of the Philippine Army’s 10th independents. So that s Infantry Division, said the tipster their plan and we ll just directed security forces to Pitao’s lo- T Roxas, Duterte in 2nd ‘casual’ meeting hat was how Interior Secretary Mar Roxas, the presumptive presidential candidate of the ruling Liberal Party, described his dinner with Davao City Mayor Rodrigo Duterte on Friday night. Roxas stayed overnight in Davao City after distributing 33 brand new police patrol vehicles in four provinces in the Davao region over the weekend. “Chika lang (We just talked),” he said. T It was apparently the second meeting between Roxas and Duterte in as many weeks. They reportedly met when the interior secretary visited Davao City two weeks ago. Speaking with reporters on Saturday in Tagum, Davao del Norte, Roxas sought to play down his one-on-one with the tough-talking local executive, whose uncompromising anticrime policies (Cont. on Page 6 ) cation in Davao’s Paquibato district, helping end a months-long operation targeting the most famous communist guerrilla leader in Southern Mindanao. Año said the military and the Philippine National Police would process the reward and release it to the tipster. Pitao, leader of the NPA’s 700-strong Pulang Bagani Command and also known as “Commander Parago,” was killed in a clash with Army Special Forces in Paquibato around 2:30 p.m. on Sunday, according to Col. Harold Cabreros, commander of the Army’s 103rd Infantry Brigade. Download our FREE FIL-AM POST app at iTunes and Google Play Store. NEWS ROUND-UP PAGE 2 July 1, 2015 - July 7, 2015 Malaysian state spares Filipina on death row The death penalty imposed on a Filipina in Malaysia has been commuted to life imprisonment, the Philippine Embassy in Kuala Lumpur said Tuesday. The embassy said Sultan Sharafuddin Idris Shah Al-Haj, chairman of the State of Selangor Pardons Board, commuted the sentence meted on Jacqueline Quiamno on June 15, after the Philippine Embassy and her family requested for a clemency. “The Embassy conveys its heartfelt appreciation to the Sultan of Selangor and the Selangor Pardons Board for this sterling manifestation of benevolence and compassion,” the Embassy said in a statement. Quiamno was arrested in June 2005 for smuggling five kilograms of cocaine at the Kuala Lumpur International Airport, which was found in her luggage. The Embassy said the Filipina did it on the bidding of an African drug syndicate based in Hong Kong. In November 2010, the Shah Alam High Court found her guilty of drug trafficking and the verdict was affirmed by the Federal Court in July 2013. The Embassy said the last execution of a Filipino in Malaysia was 22 years ago, in June 1993, when a Filipino was executed for the crime of murder in Sabah. On April 29, Filipina Mary Jane Veloso, a convicted drug mule in Indonesia’s death row, was given a last-minute reprieve. IDL Fil-Am teen arrested for plotting terrorist attacks for ISIS by Jun Medina SAN FRANCISCO — Federal authorities have arrested 19-year-old Filipino American Justin Nojan Sullivan of Morganton, North Carolina for threatening to carry out assassinations in the U.S. in support of the Islamic State terrorist group. According to a 12-page criminal complaint filed in court Monday (June 22) in Charlotte, North Carolina, Sullivan plotted several domestic attacks hoping to kill 1,000 Americans and making a videotape of his exploits to send to ISIL (a.k.a. ISIS) leaders. Authorities charged Sullivan with one count of attempting to provide material support to ISIL, one count of transporting and receiving a silencer in interstate commerce with intent to commit a felony and one count of receipt and possession of an unregistered silencer. The charge for transporting and receiving the silencer carries a maximum potential penalty of 10 years in prison and a fine of $250,000 while its receipt and possession carries a maximum potential penalty of 10 years in prison and a fine of $10,000. Assault rifle According to the criminal complaint, the FBI became aware of Sullivan’s plans to obtain a semi-automatic AR-15 rifle at the Hickory Gun Show in Hickory on Saturday, which he planned to use to kill a large number of U.S. citizens on behalf of ISIL. He planned to kill at the end of the month, according to federal documents. It was the teen’s parents who tipped authorities that their son was up to something, calling 911 on April 21 after the young Sullivan started burning sevChilling details eral household items, The criminal complaint particularly religious gave chilling details of articles. how the teen, who lived After that episode, with his parents at their an FBI undercover home in Rose Carswell agent made contact Road, was planning with Justin, who deto shoot people with scribed himself as a cyanide-laced bullets Muslim convert and and blow people up us“mujahid,” or one ing a vehicle filled with engaged as a guerilla bombs. warrior in Jihad or “As alleged in the comholy war. plaint, the defendant was Terrorist plot suspect Justin Nojan “Justin Sullivan planning assassinations Sullivan. intended to commit and violent attacks in the violent acts against United States and is charged with attempt- innocent people in the U.S. to support the ing to provide material support to ISIL and terrorist organization ISIL,” said FBI Spefederal firearms violations,” said Assistant cial Agent in Charge John A. Strong. Attorney General John P. Carlin. “[Our] According to the affidavit, the teen asked highest priority is counter terrorism and the agent for a homemade silencer to use we will continue to pursue justice against for practice assassinations before the big those who provide material support to des- attack saying, “I’ll be doing shootings of ignated foreign terrorist organizations.” my own before then … I’m excited.” Sullivan, who is currently in federal cusThe undercover agent said he was invited tody, faces a total maximum sentence of by Sullivan on June 6 to join the Islamic 40 years for the charges and $510,000 in State of North America. fines. The charge of conspiring to provide He also asked the agent to prove he was material support carries a maximum po- serious by killing people. He also talked tential penalty of 20 years in prison and a about using biological weapons, including $250,000 fine. coating bullets with cyanide. FIL-AM POST Kid Peña takes over Mayor Binay’s post anew Makati City vice mayor Romulo “Kid” Peña was sworn in as the city’s acting mayor on Tuesday morning after the second suspension order against Mayor Jejomar Erwin “Junjun” Binay was posted at the entrance of the Makati City Hall. Peña, a member of the Liberal Party, was sworn in at the old City Hall Building. This was the second time in less than four months that Peña was mandated to take over Binay’s post. In March, he also served as Makati’s acting mayor when Binay was first ordered suspended by the Ombudsman. He came back to being Vice Mayor in April follow- ing a temporary restraining order secured by Binay’s camp from the Court of Appeals which stopped the suspension. Violence earlier erupted among supporters of Binay and the police after officials of Department of Interior and Local Government (DILG) served the suspension order at the city hall. A defiant Binay, however, remained holedup in his office refusing to acknowledge the suspension order. IDL Roxas tells Mayor Binay: ‘You don’t own Makati’ Interior Secretary Manuel “Mar” Roxas II on Tuesday asked Makati Mayor Jejomar Erwin “Junjun” Binay to respect the suspension order issued against him by the Ombudsman. “Hindi po ninyo pag-aari ang Makati, Mayor Binay. Walang naghahari-hari dito kung hindi ang batas. Batas po ang ipinapatupad at ‘yan din naman lang po ang ginagawa ng DILG at PNP (Department of Interior and Local Government and Philippine National Police),” he told reporters at Camp Aguinaldo after a meeting on disaster preparedness. (You don’t own Makati, Mayor Binay. No one rules it except for laws. The rule of law prevails there and the DILG and the PNP are just carrying it out.) Violence broke out at Makati City Hall after DILG officials served the suspension order. They were prevented from entering the city hall so they just posted the order at the building’s entrance. Supporters of Binay also threw bottled waters and chairs to police authorities. The Ombudsman issued a second suspension order to Binay over the allegedly overpriced Makati City Science High School. “Nananawagan po ako kay Mayor Binay na bumaba na po. Hindi po ito isang telenovela. Hindi po ito drama tungkol sa inyong pamilya, sa inyong paghahari-hari sa Makati. Ito po ay tungkol sa batas. Ang batas po ay nagsasabi na sinuspende kayo ng Ombudsman,” Roxas said. (I am calling on Mayor Binay to step down. This is not a telenovela. This is not a drama about your family and your reign in Makati. This is about the law. And the law says you have been suspended by the Ombudsman.) Roxas said that Vice President Jejomar Binay, father of JunJun, could help by telling his son to follow the order. He added that the Makati mayor is no different from other officials included in the suspension order. “Batas ang po ang pinaiiral dito…Hindi po espesyal ito…..Si Mayor Binay special lang siya sa tatay niya. Hindi siya special sa batas. Ipapatupad po namin ang batas,” Roxas said. (The law prevails. There are no sacred cows here. Mayor Binay is special only to his father. He is not the law. We are going to implement the law.) The Interior Secretary also said they will file charges against the people involved in the violence which erupted in the city hall. “Ang bawat isa sa inyo na networks ay may mga camera at formal na hihingin ito ng PNP para makita ‘yung videotapes. Makita kung sino nangwelyo, nanuntok at kung sino ang humawak sa kamay at nagtulak sa babaeng pulis…Lahat naman po ito ay nasa video,” he said. (The PNP will ask media networks a copy videotapes. We will see who collared whom, who punched whom, and who pushed a female police officer. All of these were caught on video.) IDL Violence erupts as DILG serves suspension order vs Mayor Binay Violence erupted Tuesday at the Makati City Hall after the officials of the Department of Interior and Local Government (DILG) served the suspension order against Mayor Jejomar Erwin “Junjun” Binay. The DILG officials serving the suspension order were not allowed to personally provide the order so it was posted at the entrance of the city hall. Tension started to arise after supporters threw bottled waters and chairs to police authorities in the area. A Radyo Inquirer report said at least eight people were injured including three policemen. (Cont. from page 1...ITS GRACE-CHIZ) he and Poe have not yet reached a decision on their plans for 2016. Interviewed over radio DZBB on Sunday, Escudero said he has not yet talked to Poe since she is abroad, but in case she decides to run for President, he will support her. Escudero claimed he has yet to think about his political plans and will come out with a decision a few days before the October deadline for the filing of certificates of can- Earlier, tension also broke out between police and Makati City Hall employees when the latter were prevented from entering their office. Thousands of supporters trooped to the city hall as early as Monday after the Ombudsman issued B i n a y ’s second suspension order over the alleged O v e r priced Makati City Science High School. A defiant Binay, however, remained holed-up in his office refusing to acknowledge the suspension order. IDL didacies. Trillanes also said he is very sure to run for vice president although he acknowledged that Escudero will be the force to reckon with if the latter runs for same position. Unlike Poe and Escudero, who have yet to publicly declare their plans for 2016, Trillanes is bent on running for vice president in 2016 and said he will run even without the support of the Nacionalista Party to which he belongs. IMMIGRATION FIL-AM POST PAGE 3 July 1, 2015 - July 7, 2015 False testimony may cause denial of naturalization application e will discuss false testimony and W other conditional bars to good moral character in this article. Q:Does false testimony constitute bar to good moral character? A: An applicant who gives false testimony to obtain any immigration benefit during the statutory period cannot establish good moral character (GMC). False testimony occurs when the applicant deliberately intends to deceive the U.S. Government while under oath in order to obtain an immigration benefit. This holds true regardless of whether the information provided in the false testimony would have impacted the applicant’s eligibility. The statute does not require that the benefit be obtained, only that the false testimony is given in an attempt to obtain the benefit. Q: What other acts constitute false testimony? A: While the most common occurrence of false testimony is failure to disclose a criminal or other adverse record, false testimony can occur in other areas. False testimony may include, but is not limited to, facts about lawful admission, absences, residence, marital status or infidelity, employment, organizational membership, or tax filing information. Q:What are the elements that constitute false testimony? A: There are three elements of false testimony established by the Supreme Court that must exist for a naturalization application to be denied on false testimony grounds, namely: 1.Oral Statements - The “testimony” must be oral. False statements in a written application and falsified documents, whether or not under oath, do not constitute “testimony.” However, false information provided orally under oath to an officer in a question-and-answer statement relating to a written application is “testimony.” The oral statement must also be an affirmative misrepresentation. The Court makes it clear that there is no “false testimony” if facts are merely concealed, to include incomplete but otherwise truthful answers. 2. Oath -- The oral statement must be made under oath in order to constitute false testimony. Oral statements to officers that are not under oath do not constitute false testimony. 3. Subjective Intent to Obtain an Immigration Benefit -- The applicant must be pro- By Atty. Crispin C. Lozano U.S. on a crewman visa. viding the false testi3.On May 22, 2015, we mony in order to obtain an immigration benefit. False testimony for received an approval of I-751 waiver of any other reason does not preclude the ap- joint petition based on spousal abuse. 4.On May 18, 2015, we received an applicant from establishing GMC. proval of adjustment of status for a client Q:Does prostitution constitute a conditional based on marriage with big age gap between spouses. bar? A: An applicant may not establish GMC 5.On May 6, 2015, we received an approval if he or she has engaged in prostitution, of PROVISIONAL WAIVER for a Mexiprocured or attempted to procure or to im- can national in Ciudad Juarez based on petiport prostitutes or persons for the purpose tion by US citizen spouse. of prostitution, or received proceeds from 6.On April 30, 2015, we received an approstitution during the statutory period. The proval from the Immigration Court of I-751 BIA has held that to “engage in” prostitu- review based on spousal abuse. tion, one must have engaged in a regular 7.On April 20, 2015, we received an appattern of behavior or conduct. The BIA has proval from USCIS of green card for a clialso determined that a single act of solicit- ent who used three names in her lifetime. ing prostitution on one’s own behalf is not We submitted numerous documents to prove proper identity. the same as procurement. 8.On April 14, 2015, we received approval Q: Does smuggling a person constitute a of naturalization for a client who has three DUI and a civil harassment case. The DUI conditional bar? A: An applicant is prohibited from estab- and civil harassment has all been cleared lishing GMC if he or she is or was involved before. in the smuggling of a person or persons by 9.On April 10, 2015, we received an apencouraging, inducing, assisting, abetting proval of immigrant visa for a client who or aiding any alien to enter or try to enter originally confessed marriage is for immithe United States in violation of law during gration benefits only but later on had a serious relationship with petitioner. the statutory period. 10.On March 30, 2015, we received an approval from the Immigration Judge for a Q:Is there an exception to this? A: This bar to GMC does not apply in cer- waiver of misrepresentation involving martain cases where the applicant was involved riage fraud that happened at the U.S. Emin the smuggling of his or her spouse, par- bassy. The alien subsequently get a green ent, son, or daughter (and no other individu- card from a petition by her mother. She al) to enter the United States in violation of could not naturalize unless a waiver of misrepresentation is granted. With the waiver law before May 5, 1988. she is now qualified for naturalization. 11. On March 10, 2015, we received an apQ: Is gambling also included? A:An applicant who has been convicted of proval from USCIS for an adjustment of committing two or more gambling offenses status for SAME SEX MARRIAGE. or who derives his or her income principally 12. On February 18, 2015, we received an from illegal gambling activities during the approval by USCIS of green card based on statutory period is precluded from establish- self petition by an abused spouse. Her miing GMC.[31] The gambling offenses must nor children are now qualified to immigrate have been committed within the statutory based on this approval. 13. On February 10, 2015, we received an period approval of green card for a client who entered without inspection. We first sought an Note:This is not a legal advice. advance parole with USCIS so that she can travel to her country legally and come back SUCCESS STORIES to the U.S. 1.On June 22, 2015, we received an approv- 14. On January 20, 2015, we received an al of I-601 waiver for a client who over- approval of immigrant visa under the Provistayed in the U.S. for more than ten years sional Waiver program for a seaman client. She successfully arrived to the U.S. without based on hardship to U.S. citizen spouse. 2.On June 5, 2015, we received an approval problem. from U.S. Embassy Manila for a I-601A 15. On January 7, 2015, we received an apwaiver for two clients who first entered the proval of adjustment of status from USCIS OPINION Will it be a Roxas-Duterte team next year? s it going to be a RoxasDuterte team in next year’s by Neal Cruz presidential election? This possibility cropped up when Interior Secretary Mar Roxas had a second tête-à-tête with Duterte in Davao City last Friday night. Although Secretary Roxas said it was only “chika-chika” between friends and they did not talk politics at all, nobody believes that. It is impossible for two politicians not to talk politics when they get together in private, like Roxas and Duterte have done twice already. Most likely, Roxas, the presumptive Liberal Parry standard-bearer next year, is toying with the idea of having Duterte as his running mate. Why not? Both Roxas and Duterte rank third in presidential poll surveys. Sen. Grace Poe is No. 1; Vice President Jejomar Binay is far behind in second place. A Roxas-Poe or Poe-Roxas team would have been ideal. But with Poe yet undecided to run for higher public office, it is prudent to make sure of getting the next best vice presidential running mate—Duterte. True, Duterte has said that he definitely is not running for president, but he did not say that he won’t run for vice president. For a local city mayor to place third in a national survey of voter preference for president is surprising. But Duterte is no ordinary mayor of a I hick town. He has made Davao City the ninth safest city in the world, according to an international survey. The way he did it was to scare criminals into leaving this world prematurely. Many notorious criminals in Davao City, especially drug traffickers, died suddenly during Duterte’s terms as city mayor. The criminals still alive were left with two choices: Leave town or leave this world in a coffin. Many chose the first, so Davao is now almost crime-free. Some say Duterte has a secret death squad that sends criminals to meet their Maker early. The mayor denies this. He said DDS does not stand for Davao Death Squad but for Davao Development System. Duterte has not explained how his DDS works, but some say part of it is to develop the funeral industry in the city. Duterte said that when he started touring the country to campaign for a federal system of government similar to that of the United States, some people laughed. But as he made the rounds, his popularity rating rose. That’s because people like the way he talks tough. I personally like it when he said that along with ordinary criminals, he would feed to the fish in Manila Bay corrupt public officials. Since that may include Vice President Binay, people clapped their hands and explained: “Yeah, yeah, yeah, go man go.” So a Roxas-Duterte team would definitely continue the Aquino administration’s anticorruption campaign. Roxas is proven to be a squeaky clean public official (he has not been involved in any scandal during his long public career) and Duterte has proven that criminality can be erased. The people are fed up with crime and corruption. The latter is the No. 1 problem of the Philippines. All other problems emanate from it. People are poor because corrupt public officials steal their tax money. Funds that should go to services for the people end up in the private pockets of corrupt public officials, as witness the billions of pesos in public funds stolen by high-ranking officials in the pork barrel scam. Theft and robbery cases increase when people are poor and have no jobs. So do kidnap-for-ransom cases and bank robberies. When poor people have jobs, they don’t have to steal. But corrupt public officials, although they already have goodpaying jobs and are already wealthy, still steal the people’s money because they can. The Aquino administration has done a good job in putting highranking public officials before the bar of justice. At no time in the history of the Philippines have so many senators and congressmen, a chief justice, even the incumbent vice president, been charged in court for corruption. The danger is what would happen when the Aquino administration ends and a new president like Binay takes over. Most certainly, the cases against his partners in the United Nationalist Alliance like Sen. Juan Ponce Enrile and Sen. Jinggoy Estrada would be dropped; and even if they are convicted, Binay would pardon them. for a client who entered without inspection but reentered on a parole visa. Parole visa became the basis of legal entry to allow for adjustment of status. 16. On January 5, 2015, we received two approvals of I-601A waiver under the Provisional Waiver Program. 17. On December 17, 2014, we received an approval from USCIS of a green card under the Violence against Women Act. 18. On December 16, 2014, we received an approval of DACA for an alien who has a final order of removal. 19. On December 11, 2014, we received an approval of immigrant visa for an alien who entered the U.S. as a seaman under Provisional Waiver Program. 20. On October 7, 2014, we received an approval from the U.S. Embassy in Manila an immigrant visa for a client who entered the US without inspection under the Provisional Waiver Program. 21. On September 26, 2014, we received an approval from the Immigration Court for waiver of misrepresentation for a client who entered as single but actually married at the time of entry to the U.S. 22. On September 9, 2014, we received an approval from Immigration Court of adjustment of status for a client who was previously denied an asylum. 23. On September 8, 2014, we received an approval from USCIS of Form I-601A provisional waiver for two clients. 24. On September 5, 2014, we received an approval from USCIS for Fiancée visa based on same sex petition. 25.On September 4, 2014, we received an approval of DACA for a client who has problem in her birth certificate. 26. On August 28, 2014, we received an approval of green card based on spousal abuse. 27.On August 25, 2014, we received an approval of green card based on same sex marriage with big age difference. 28.On August 1, 2014, we received an approval of waiver of joint filing of I-751 based on spousal abuse. With the approval she was granted permanent residence. Crispin Caday Lozano is an active member of the State Bar of California, the American Immigration Lawyers Association and the National Association of Consumers Bankruptcy Attorneys. He specializes in immigration law and bankruptcy law. ([email protected]/ 1-877-456-9266) PAGE 4 July 1, 2015 - July 7, 2015 FIL-AM POST FIL-AM POST PAGE 5 July 1, 2015 - July 7, 2015 MORE TAXSAVERSPRO, INC. CLIENT TESTIMONIALS! - Tax clients had their residential home foreclosure misclassified resulting in tax liabilities on short sale amounting to $60,000. We looked at the history of the property and determined that it was a residential property for 3 of the last 5 years and thusqualified for the $500,000 Exemption on the cancellation of debt, thus negating the tax liability previously computed by other tax preparers. - Taxsaverspro, Inc. was able to comply with the FBAR filing requirement(s) of several taxpayers who were not aware of this IRS regulation by amending multiple years of income tax returns and filing online FinCen statements. PAGE 6 July 1, 2015 - July 7, 2015 FINANCE CORNER BANKRUPTCY TAX Q & A Supreme Court upholds Obamacare he U.S. Supreme Court today voted 6-3 to uphold the provision of the Affordable Care Act that allows people using the federal health insurance market T by: Alvin C. Maglan, CPA to receive tax subsidies. Wisconsin is one of 34 states that have adopted a federally run exchange as opposed to a state-run exchange. If the Supreme Court had ruled against the Obama administration in the King v. Burwell case, 184,000 people in Wisconsin and 6 million people nationwide could have lost their health insurance. The Supreme Court’s decision was considered by many to have boiled down to four key words in the Affordable Care Act: “established by the state.” The plaintiffs in King v. Burwell claimed those words meant the tax subsidies were intended only for those in state-run exchanges. The Obama administration said “the state” refers to the government in general, whether state or federal. Reaction to today’s ruling was mixed. According to the Wisconsin Hospital Association, 33,469 Milwaukee County residents were enrolled in the exchange as of April. “We are pleased with this decision,” said Wisconsin Hospital Association president and chief executive officer Eric Borgerding. “The loss of premium assistance would most certainly have triggered a large increase in the number of uninsured. The disruption to our health care system and broader insurance markets would have been substantial.” Borgerding said thousands of people in Wisconsin who were previously uninsured, or who were made ineligible for Medicaid, connected with health insurance coverage on the federal exchange. The subsidies reduced the monthly cost of buying insurance on the exchange to an average of $125 per month in Wisconsin, he said. Brett Healy, president of the John K. MacIver Institute for Public Policy, a Madison-based conservative advocacy organization, disagreed with the court’s interpretation. “It is disappointing that the Supreme Court failed to stand with taxpayers today,” he said. “The Affordable Care Act says in plain language that individuals who purchase insurance through Obamacare only qualify for subsidies ‘established by the state,’ and the Court’s decision today unfortunately endorses a flawed law that has driven up health care costs exponentially. Instead of interpreting the law for what it actually says, the Court interpreted it for what they wanted it to say. The Affordable Care Act is severely broken, and this activist result will only continue the negative impact the law has had on taxpayers in Wisconsin and the country.” The impact of today’s ruling means that the Affordable Care Act in its present form is here to stay, according to Charlie Stevens, an employment attorney at Milwaukee-based Michael Best & Friedrich LLP. “The upshot is the Affordable Care Act will continue to be enforced, low-income individuals will continue to get subsidies, employers are still subject to the pay-orplay mandate, and the rules that are part of what Congress drafted and the rules and regulations the federal agencies came up with to enforce it will still be in effect and will be enforced,” Stevens said. Stevens added that large employers will still be required to offer coverage to employees who average 30 or more hours a week. If they do not offer coverage to 70 percent of full-time employees, they will be subject to the pay-or-play penalty. Next year, he said the percentage of full-time employees who must be offered coverage will be 95 percent. Besides Healy, others who were disappointed by today’s decision included Sen. Ron Johnson (R-Wis.). “That decision upholds legislation that was falsely marketed and forced through Congress in a completely partisan fashion and that has harmed millions of Americans,” Johnson said. “The court’s decision cements a system costing millions of Americans the health plans they chose and liked and access to doctors they knew and trusted. The Supreme Court is sustaining higher health care costs for patients and taxpayers, a law that makes it costlier for employers to hire and harder for workers to keep full-time jobs.” Alvin Maglan is a CPA licensed in California. After working for SyCip, Gorres, Velayo and Company, he emigrated to California and had varied experiences as an audit manager of a regional accounting firm, an internal auditor and controller of Dole, Inc., a fortune 500 company and three decades experiences as a tax consultant for various individuals, professionals, small business firms, corporations, partnerships, and other non-profit entities. You may contact him @510 432 7438 for your tax problems. You may e-mail tax questions @ [email protected]. FIL-AM POST What you should know about reaffirmation in bankruptcy I n a Chapter 7 bankruptcy, the debtor must submit to the court a schedule (Schedule D- Creditors Holding Secured Claims) indicating all of their secured debts (mortgages, vehicle loans, and purchase money loans for furniture, jewelry, or household goods, as well as any other debt for which you have pledged property as collateral to the creditor). In addition to filing a list of all secured debts, Chapter 7 debtor also file a form called the ‘Statement of Intention’. Q. What is a Statement of Intention? A. The Statement of Intention is required to be filed in Chapter 7 cases. It is not required in Chapter 13 cases. Statement of Intention is a form completed by the debtor that advises the court, the Trustee, and your creditors what you intend to do with your secured collateral such as your home or car. This document also applies to leases. It must be filed within thirty (30) days after the debtor files a petition under Chapter 7 or on or before the 341(a) Meeting of Creditors. It requires the debtor to state the following: 1. whether the property will be surrendered or retained, 2. whether it will be claimed as exempt, 3. whether the debtor intends to redeem the property, and 4. Whether the debtor intends to reaffirm the debt secured by the property. Q. What is redemption in bankruptcy? A. In redeeming a debt, a Chapter 7 debtor pays the fair market value of the collateral, usually in one lump sum — in full satisfaction of the debt. This option can be especially helpful when the debtor’s collateral is underwater, meaning the value is less than the loan amount. Q. What is Reaffirmation in bankruptcy? A. In reaffirming a debt, the debtor agrees to remain responsible on the debt after bankruptcy and will continue making payments to the creditor, while keeping the collateral. Once the debtor signed the reaffirmation agreement, he or she will have 60 days from the date of the signing or up until the day the court discharges the case, whichever is later, to change his or her mind and withdraw the agreement. However, once the court enters the Chapter 7 discharge, the agreement is binding and in effect. If the debtor defaults on a reaffirmed debt after the court entered the discharge, the creditor can repossess the collateral and sue the debtor for any deficiency balance, fees and costs. Q. What are the disadvantages of Reaffir- mation Agreements? A, The following are the disadvantages of reaffirmation agreements: 1. Instant Liability - A reaffirmation agreement binds you in contract. If you missed payments in the future, it could mess up your new credit, cause you to lose the property, and make you responsible for the balance of the loan. 2. Approval of Lawyer is Needed - Your lawyer must review and examine all the circumstances and only sign the reaffirmation agreement if he believes it will not inflict an undue hardship on you and your family. Your lawyer must determine and decide if you are in a good financial position to repay the debt. 3. Approval of the Court is Needed - Reaffirmation Agreement is not accepted until the U.S. Bankruptcy Court approves the terms. Usually, bankruptcy courts are not delighted to let you carry on personal liability when you have already shown that your expenses go beyond your post-bankruptcy income. Note: This is not a legal advice and you should consult with an attorney about your case. Bankruptcy Basics 1. Bankruptcy will actually improve your credit within one year because your unsecured debts are discharged. Although the bankruptcy will be in your records for 10 years, not filing bankruptcy will make your credit even worse until most your debts are paid. 2. If you are being sued by your creditors, most money judgment can be eliminated in bankruptcy. 3. Collection actions continue and you can be sued if you are in debt settlement. 4. Chapter 7 will eliminate all unsecured debts. If you are near retirement age, you must eliminate most of your debts. 5. Bankruptcy will stop foreclosure actions. If your trustee sale date is 10 days before, you can still file for bankruptcy. 6. If your salary is being garnished, you have a court case about debts or you are being harassed by creditors, bankruptcy can stop garnishment, court cases, harassing creditors and eliminate the debt. Crispin Caday Lozano is an active member of the State Bar of California, the American Immigration Lawyers Association and the National Association of Consumers Bankruptcy Attorneys. He specializes in immigration law and bankruptcy law. (1-877-456-9266. Email: crispinlozano@ gmail.com) (Cont. from page 1... PURISIMA, PETRASANTA) out undergoing through the procurement, accreditation and The Ombudsman said they are liable for qualification process. the administrative charges of grave misIn June 2011, Petrasanta as the technical conduct, serious dishonesty and grave working group chairman recommended abuse of authority. that the courier system as the sole responThe Ombudsman sacked the former po- sibility of Werfast. lice officials following its investigation In Nov. 2012, Retired Police Director Gil over the complaints filed by private citi- Meneses then chief of the PNP Civil Secuzen Glenn Gerard Ricafranca and the fact- rity Group ordered the creation of a Firefinding investigation bureau of the Deputy arms and Explosives Office-Courier SerOmbudsman for Military and Other Law vices Accreditation Board with Petrasanta, Enforcement Office for their involvement Parreño, Acierto, Reyes, Fabia, Calixto, in the shady deal for a private courier firm. Bautista, Tuazon and Zapata as members. The Ombudsman in its decision said in Meneses in Feb. 2013 submitted to PuriMay 2011, Werfast, in the deal for the cou- sima the memorandum accrediting Werfast rier delivery system for renewal of firearms and recommending that the delivery of liand licenses, entered into a memorandum cense cards by courier service be mandaof agreement with the PNP’s Estilles with- tory. (Cont. from page 1...ROXAS, DUTERTE) Golf, Duterte’s kids Roxas said he and Duterte —whom he referred to by his nickname “Digong”—talked about golf and the mayor’s children. He said they also discussed the situation in Davao and the issue of federalism, which Duterte has been pushing as an alternative to the contentious Bangsamoro Basic Law. “We also spoke about other things and other topics,” Roxas said in the interview, a transcript of which was provided by his office. When asked who initiated the meeting, he replied: “There was no need to initiate the meeting because Mayor Digong and I are friends. I meet with him whenever I go to Davao. We also see each other when he’s in Manila.” “There’s nothing more to it. Two longtime friends seeing each other,” Roxas added. But he declined to categorically say if they talked about their political plans for 2016. The meeting occurred a day after Duterte told a gathering of businessmen in Makati City that he had already shelved the idea of running for President. In Digos, Davao del Sur, which he visited earlier on Friday, Roxas was asked if Duterte’s decision not to seek the presidency had to do with a meeting the two of them had in Davao City two weeks ago. SHOWBIZ FIL-AM POST Claudine Barretto on Raymart Santiago: We’re friends MANILA, Philippines – Claudine Barretto is now friends with estranged husband Raymart Santiago. The Kapamilya actress said she even confirmed this to him before announcing it in her interview with ABSCBN’s late night talk show “Aquino & Abunda Tonight” on Monday. “Tinawagan ko siya, sinend [send] ko muna ‘yong mga questions. Sabi niya, ‘Kaya mo ‘yan,’ tapos thumbs up. Tapos tumawag siya tapos sabi ko, ‘Mart, questions lang, friends ba tayo?’ Tawa siya nang tawa tapos sabi niya, ‘Oo, friends na.’” she recalled. “Kasi hindi ko alam kung ano isasagot civil ba o friends na, tapos oo friends na daw. So friends na kami,” she added. It was in 2013 when Claudine affirmed that she got separated from Raymart. This even lead to the estranged couple filing legal complaints against each other. But this year, the actress said that Geraldine Macaraeg from Marikina Regional Trial Court Branch 912 helped them settle their issues. Body Talk with Kris Bernal Has Kris Bernal become, heaven forbid, anorexic? That’s what everybody seems to be suspecting, Kris herself included. You see, Kris looks much too thin at 90 lbs. (from 105) and people have been wondering: What’s eating Kris Bernal? With relief, Kris said, “I was worried nga that I was suffering na from anorexia nervosa. But I’m glad that I’m not. Kasi hindi ko pa naman niri-reject ang kinakain ko.” Kris had to undergo a crash diet after she saw herself in Nandito Ako Nagmamahal Sa’yo, the Regal Films/GMA Films romance-drama directed by Maryo J. delos Reyes in which she had perennial loveteam-mate Aljur Abrenica as leading man. “They asked me to wear a two-piece,” said Kris, “and when I saw the movie, parang na-conscious ako sa katawan ko dahil ang Kris Bernal feeling ko ang tabataba ko. Since then, I stopped eating rice and cut down on my food intake.” Nandito Ako, Kris’ first-starring movie with Aljur, was a good one. Unfortunately, it suffered at the box office because it opened at the time Ondoy struck Metro Manila. “But 2009 was a good year for me,” confirmed Kris who was discovered in the GMA talent search StarStruck (Batch 3) three years ago. “I did two TV series, Dapat Ka Bang Mahalin? and All My Life (both with Aljur) and one movie (Nandito Ako).” Kris and Aljur open 2010 with the GMA fantasy-adventure The Last Prince, directed by Mac Alejandre, in which she plays a princess (and Aljur a prince). Premiering on Monday, Jan. 11, The Last Prince will take televiewers to Paladino, the magical kingdom found atop the clouds. It marks the comeback of Princess Punzalan (back from the US where she stays with her husband) and also stars Carmina Villarroel, Eula Valdez, Emilio Garcia, Angelu de Leon, Benjie Paras, Bianca King, Bubbles Paraiso, Chanda Romero, Paolo Paraiso, Chynna Ortaleza, Elvis Gutierrez, Steff Prescott, Karen delos Reyes, Joey Paras, Nicole Sanoy and Rita Iringan, plus the hit Rosalinda loveteam Geoff Eigenmann and Carla Abellana. PAGE 7 July 1, 2015 - July 7, 2015 Sex on TV For two TV seasons now, some drama series tations that such adult fare has to operate unhave been enticing viewers with the tantaliz- der. But, they are advised that the regulations ing promise that they intend to be “sexier” aren’t against adult TV programs per se, they just limit them to the post-primetime than the shows we usually find on free TV. Last year, it was “Moon of Desire” that screening slots. This is a big change from how things were strove to heat things up on the small screen, while for 2015, it’s “Pasion de Amor” that’s in the past, when child viewers were startled to get exposed to “green” and “brown” doing the sensual honors. Alas, the “hotter” series are more seduc- jokes—even on noontime TV programs! Those most unwelcome and inappropritively intended than actually achieved, with their directors limited by TV’s “for general ate intrusions were made by “super-macho” patronage” rule to “sexy” indirection and program hosts who loved to underscore their insinuating rather than forthrightly “hot” de- randy sense of “humor” by polluting the airwaves, not just for kids’ impressionable piction! To stay within prescribed and proscribed minds and psyches, but even those of their limits (because children are always watching alarmed parents and teachers! After years of fruitlessly “warning” the on primetime), visualizations of the “sexier” shows are restricted to “symbolic” silhouette shots of implied ardor, “lip-biting” reaction shots in bed scenes that are limited to “medium close-up” framing that avoids s h o w ing sensual body parts—etc.! In light of this limiting reality, the pasion on the local version of “Pasion de Amor” is perforce more muted than in the Latin American original. “PASION de Amor” hotties (clockwise from left) Ellen Adarna, Ejay Falcon, Arci Muñoz, Jake Cuenca, Joseph Marco and Coleen Garcia Hot to trot We recall, when we were a member of the Movie and Television Review and Classification Board (MTRCB), watching a string of really hot Latin American melodramas for an entire day—and, boy, were they really hot to trot! Well, that sort of graphic depiction and exposure simply won’t pass officially sanctioned muster in these parts, so cool it, hotsy-totsy lasses and lotharios! “Pasion de Amor” is especially “controlled” by the fact that it’s shown before the evening newscast. For it to be as hot as intended, it should be pushed back to a late-late slot, when only a few kids are expected to watch. That, by the way, is why other “controversial” or “edgy” drama series like “Bridges of Love” and “The Rich Man’s Daughter” are more appropriately situated later in the evening. Of course, exponents and advocates of “mature TV dramatic arts” chafe at the limi- filthy-mouthed miscreants to toe the prescribed line for the poor children’s sake, the MTRCB decided to much more firmly lay down the law and handed out some suspensions—message received, loud and clear! Sleazy shockers After their cushy livelihood was directly threatened, even the most ferociously macho of the errant program hosts, “suddenly” discovered that they could be funny in much less shocking ways—which is why we have the current TV situation, which is more acceptable than the sleazy shockers of the past. This happy outcome proves that regulation in terms of the appropriate telecasting slot for a particular program can be effective in upholding the right of kids to child-friendly TV entertainment—without curtailing the corresponding right of mature TV people to tackle adult themes and issues. BUSINESS DIRECTORY AUTO / CAR DEALERS Premier Nissan of Fremont 5701 Cushing Pkwy Fremont, CA 94538 (510) 668-8700 Fremont Toyota Honda of Hayward 24919 Mission Boulevard Hayward, CA 94544 (877) 201-7612 Capitol Toyota RESTAURANTS SERVICES Kadoks Restaurant Knopp Pistiolas 31834-B Alvarado Blvd. Union City, CA 94587 b/t Dyer St & Fair Ranch Rd. (510) 477-8907 Cabalen Filipino Cuisine 4912 Central Way Ste 2 Cordelia, CA 94534 (707) 864-4200 Law Office of Robert Chang 5851 Cushing Pkwy Fremont, CA 94538 775 W Capitol Expy Auto Mall San Jose, CA 95136 (510) 252-5100 (866) 826-9885 (510) 799-6783 (510) 388-4866 Momentum Toyota Capitol Mitsubishi Dampa Filipino Food Law Offices of Philip B Sarmiento 2575 Auto Mall Pkwy Fairfield, CA 94533 (707) 402-3100 Dublin Kia 4300 John Monego Ct Dublin, CA 94568 (888) 826-8175 750 W Capitol Expy Auto Mall San Jose, CA 95136 1572 Sycamore Ave Ste F Hercules, CA 94547 2960 Castro Valley Blvd Castro Valley, CA 94546 (800) 630-0983 (510) 247-9990 Hyundai Serramonte Tribu Grill 1500 Collins Ave Colma, CA 94014 32208 Dyer St Union City, CA 94587 (650) 550-7250 (510) 675-0101 Get the latest news from your iPhone, iPad and Android phones and tablets! Download our FREE FIL-AM POST app at iTunes and Google Play Store. 2016 Lewelling Blvd San Leandro, CA 94579 1320 Decoto Rd Ste 140 Union City, CA 94587 (510) 258-8091 Patriot Tax Professional 114 Parrott St San Leandro, CA 94577 (510) 357-5578 HOW TO PLACE AN AD IN FIL-AM POST: BY PHONE: BY EMAIL: 1-855-454-7678 [email protected] PAGE 8 July 1, 2015 - July 7, 2015 FIL-AM POST
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