Tuesday, January 18, 2011

Visa Bulletin for February of 2011

By Monica Ganjoo

Question: What is the Visa Bulletin?

Answer: The Visa Bulletin provides us the priority dates for Family Petitions. For example, if you are a United States citizen and you have filed for a green card for your brother, it usually takes 23 years (11 for other countries; 23 for Filipinos) for your brother to be able to come to the United States with a green card. The Visa Bulletin shows you what date the Citizenship and Immigration Service (formerly known as Immigration and Naturalization Service) is working on. If you filed on April 10, 1993, you have to look at the 4th category of the Visa Bulletin for Philippines, and you will see that CIS is currently working on January 15, 1988. There is a five year difference between these numbers, which means that the estimated time that your brother will be able to come to the United States with a green card through your petition is more or less five years.

Question: What is the First preference category?

Answer: The First preference category applies to children over the age of 21 of United States citizens. These children must be single. For Filipinos, the priority date for the month of February is August 1, 1994.

Question: What is the Second (A) preference category?

Answer: This category belongs to spouses and unmarried, single children under the age of 21 of Legal Permanent Residents. For Filipinos, the priority date for the month of February is January 1, 2008.

Question: What is the Second (B) preference category?

Answer: This category belongs to children of Legal Permanent Residents that are over 21, but are still single. For Filipinos, the priority date for the month of February is June 1, 1999.

Question: What is the Third preference category?

Answer: This category belongs to married children of United States citizens. If a child of a United States citizen is under 21 but is married, they will fall under this category. For Filipinos, the priority date for the month of February is October 22, 1991.

Question: What is the Fourth preference category?

Answer: This category belongs to brothers and sisters of United States citizens. These beneficiaries will be able to bring their spouses and all unmarried children under the age of 21 with them. For Filipinos, the priority date for the month of February is January 15, 1988.

Question: What if I am a Legal Permanent Resident, and I filed a family petition for my daughter two years ago when she was 23, and she just got married?

Answer: When you filed for your daughter, you filed for her under the Second (B) preference category. If you are still a Legal Permanent Resident at the time your daughter got married, your petition for her will be cancelled. However, if you became a United States citizen before your daughter got married, then your petition for her is still valid, but the preference category will be changed from Second (B) to Third.

Question: What if I filed for my son under the Second (B) category, and then I became a United States citizen? Is it true that it will take my son five years longer to come to the United States only because I became a United States citizen?

Answer: In the past, this was true. However, under Section 6 of the Child Status Protection Act, you can choose to keep your old priority date. You will have to send a letter to the National Visa Center as well as one to the United States Embassy in Manila stating that you wish to keep your old priority dates. Please take note that both petitioner and beneficiary will have to write these letters and the letters must be notarized.

Question: What if I am a United States citizen and I filed for my sister when she was single, and now she is married?

Answer: Your sister will be able to come to the United States with her husband, and any child that they will have (as long as the child is single and is under the age of 21 at the time of emigration).

Question: Can I file for my parents if I am a Legal Permanent Resident? What about my siblings?

Answer: No. If you are a Legal Permanent Resident, you may only apply for spouses and single children. You may not apply for your parents, married children, or siblings.

Question: What is the priority date for a United States citizen filing for parents?

Answer: There is no priority date for spouses, parents, and single children under the age of 21 of United States citizens. This means that it should take less than a year for these individuals to immigrate to the United States (some cases take longer for various issues).
For more information, call Attorney Monica Ganjoo for a consultation.

Ganjoo Law Offices currently offer a consultation with Attorney Monica Ganjoo for only $25. The Staff of Ganjoo Law Offices speak a total of six different languages. For a $25 consultation with Monica Ganjoo, call one of her offices below:

870 Market Street, Suite 340
San Francisco, CA 94102
(415) 495-3710

111 W. Saint John Street, Suite 513
San Jose, CA 95113
(408) 975-0500

How Can I Keep My House if I File Chapter 7 Bankruptcy?

By Crispin Lozano

Question: I have been denied for a loan modification. My house has no equity but I want to keep it although I am three months behind on my mortgage payments. Can I keep my house if I file for Chapter 7 Bankruptcy?

Answer: You can keep your house even if you file for Chapter 7 Bankruptcy. When you file for bankruptcy you will be required to submit a Statement of Intention on what you want to do with your secured properties like your home and your car. You can state that the debt on your house will be reaffirmed. This means that you will honor the original terms of the mortgage on your house and you will pay the required monthly payments continuously even if you already filed bankruptcy. While your case is in Bankruptcy court you may negotiate with your lender for a loan modification, or a loan work out. Your late payments can be added to the principal if the lender agrees. It is more likely that the lender will give you a better loan terms because of your changed situation. There are lenders that grant loan modification after Chapter 7 Bankruptcy discharge. Since in Chapter 7 you can eliminate most of your unsecured debts like credit cards, medical bills, department store bills etc. the lender is more likely to give you a loan workout because they know that your paying capacity has improved with the elimination of your unsecured debts.

Question: Is Chapter 13 Bankruptcy the better alternative than Chapter 7 if I want to keep my house?

Answer: Chapter 13 is a payment plan bankruptcy and applies only to those individuals with regular income. Under Chapter 13 you will need to pay your current monthly mortgage plus the unpaid mortgage overdue account plus a portion of all unsecured debts. From your monthly payments the Bankruptcy trustee will add a commission of ten percent. Statistically about ninety percent of those who filed Chapter 13 ended up converting to Chapter 7 because they cannot afford the monthly payments. Although in Chapter 13, you can strip the lien on a second mortgage, it does not mean that you do not have to pay it. It only means that the second mortgage will become an unsecured debt which you will have to pay partially under your payment plan. In the final analysis Chapter 13 is more expensive and the chance of your discharge in three years is slim because either those who filed Chapter 13 either withdraw from the plan or convert to Chapter 7 later because they are paying more than they anticipated before.
Note: This is not a legal advice.

Immigration News
1. On December 23, 2010, we received an approval from the Immigration Court for a waiver of misrepresentation for an alien who entered as single but actually married.

2. The death of U.S. citizen parent will not be a hindrance to apply for a waiver of misrepresentation.

3. On January 5, 2010, we received an approval in Immigration Court of an adjustment of status based on good faith marriage despite an age difference of 18 years.

4. Petitioner’s death is not a problem if the beneficiary is in the U.S. when the petitioner died and at the time of adjustment of status.

5. Abused spouse of U.S. citizen or permanent residents can self petition even if there is a problem with the entry documents such as C or D visa or entry without inspection or assumed name.

6. Individual Tax Identification Number (ITIN) can be used for filing tax returns and is required before bank accounts can be opened.

Bankruptcy News
1. Chapter 7 will eliminate all unsecured debts. If you are near retirement age, you must eliminate most of your debts.

2. Bankruptcy will stop foreclosure actions. If your trustee sale date is 10 days before, you can still file for bankruptcy.

3. 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.

4. Bankruptcy is cheaper, faster and safer than debt settlement which has no guaranteed success.

5. Preserve your health, eliminate stress and live a happy life by eliminating your debts which is the root of all problems.

Crispin Caday Lozano is an active member of the State Bar of California and he specializes in immigration and bankruptcy law. He earned his Juris Doctor at Western State University College of Law in Fullerton, California. He is also a Certified Public Accountant and a Bachelor of Business Administration Cum Laude graduate. He has four offices which are located in Hayward, San Jose, Fresno and Bellflower, California. You can contact him at telephone number 1-877-456-9266.

Oh no, my filings were sent back!

By Beverly Byrd

Question: Hello Attorney Byrd. I sponsored my wife for a green card at the beginning of January 2011, and paid all of the filing fees separately. A friend told me that the work permit fee is included in the green card fee as of the time the filing fees increased last November 2010. Is this true? Will USCIS return my wife’s filings? Thank you for your advice and help to our community. Pablo

Answer: Hello Pablo. Thank you for your question. Yes, if you filed for a green card for your wife, her work permit application, or Form I-765, and even a travel permit application, Form I-131, are included in the green card, or Form I-485 fee. You need only one check for all of these applications. The filing fee for all of these applications together is $1,070, which includes an $85 biometric fee. You would have also paid the Form I-130 petition fee of $420. If you sent the filing fees in separate checks, USCIS will still accept the applications, and will return your unnecessary checks. However, if you sent the filing fees in one check for a larger amount than is required, USCIS will return all applications and the petition to you. USCIS does try to decrease the delay caused by incorrect filing fees by sending a cover sheet to return your filing with the correct fees. This cover sheet allows USCIS to accept the filings the day they arrive and immediately send the receipts back to you. The receipts arrive back to you in approximately one week. Your delay, if any, should be minimal.

Question: Hello Attorney Byrd. I read your column every week and find your advice to Filipinos very useful. My neighbor has already seen you in your office and said you were of a great help to him. I hope you can help me too. My wife sponsored me for a green card about two years ago, and I received a conditional green card which expired about one week ago. My wife and I filed to remove the condition, but received the filing back in the mail yesterday because we filed the wrong form! We filed Form I-90 instead of Form I-751. Now my green card has expired. What shall I do now? Thank you for all your advice Attorney Byrd. God Bless, Norman.

Answer: Hello Norman. Thank you for your question. I see clients in the office periodically who have made this mistake. Form I-90 is a form for permanent residents who need to renew an unconditional card. If the card expires, they are still permanent residents. On the other hand, Form I-751 is for conditional permanent residents who have a two year conditional green card obtained through marriage to a U.S. citizen. If this card expires, the permanent residence has also expired if no petition to remove the conditional status has been filed and accepted by USCIS.
This is not a fatal mistake. You can still file Form I-751 with your wife, and explain to USCIS why you are filing late. USCIS routinely accepts late filings for good reason, and will extend your conditional permanent residency until they make a decision in your case. Remember, if you do not file Form I-751, USCIS will formally terminate your permanent residency and place you in deportation proceedings. If you feel unsure about filing again, you should consult with a competent immigration attorney who can help you.

Attorney Byrd has been practicing immigration law exclusively for over 10 years and has helped thousands in the Filipino community with their immigration issues. To schedule a confidential consultation, contact Attorney Byrd through e-mail at info@byrdassociates.com, or at one of her Bay Area offices below.

San Jose Office
95 S. Market Street, Suite 300
San Jose, CA 95113
(408) 995-3268

San Francisco Office
One Embarcadero Center, Suite 500
San Francisco, CA 94104
(415) 362-2285

Tuesday, January 11, 2011

Abandonment of Permanent Resident Status

By Monica Ganjoo

Question: If a legal permanent resident has remained out of the United States for more than six months but less than one year, does it mean that he/she has abandoned his/her green card?

Answer: Not necessarily. You can present your green card at the port of entry after a temporary absence abroad that does not exceed one year. However, if a legal permanent resident stays out of the United States for over one year, he/she may not use that green card to enter the United States with.

Question: If the legal permanent resident has been out of the United States more than a year, and he cannot use his green card at the port of entry to enter the United States, does it mean that he is no longer a legal permanent resident?

Answer: Not necessarily. There is a difference between the validity of a green card as a travel document and the continued viability of the legal permanent resident’s claim to resident status. Whether someone has abandoned his legal permanent resident depends on “intent” rather than the amount of time he has spent outside of the United States.

Question: What is the meaning of “temporary visit abroad”?

Answer: California is governed by the Ninth Circuit. The Ninth Circuit Court of Appeal’s interpretation is: A trip is “temporary visit abroad” if (a) it is for a relatively short period, fixed by some early event; or (b) the trip will terminate upon the occurrence of an event that has a reasonable possibility of occurring within a relatively short period of time – if as in (b) the length of visit is contingent upon the occurrence of an event and is not fixed in time and if the event does not occur within a relatively short period of time, the visit will be considered “temporary visit abroad” only if the alien has a continuous, uninterrupted intention to return to the United States during the visit (Singh v. Reno, 113 F.3d 1512).

Question: What are the main factors that determine if someone has abandoned his legal permanent resident status or not?

Answer: The main thing to look at is the person’s “intent.” The factors that determine “intent” are: family ties in the United States, property holdings, jobs in the United States, duration of residence in the United States, and the person’s family ties, property, and business ties in the foreign country that he was visiting.

Question: If a legal permanent resident has been outside of the United States for less than a year, it is possible that she can still be found to have abandoned her legal permanent residence status?

Answer: Yes, even though her green card is still valid at the port of entry, the Border Patrol Officer can still find that she has abandoned her legal permanent resident status. The Officer may find that if she does not have strong ties in the United States (such as family, residence, employment, etc.), then she does not necessarily need a green card. It may be better for this person to obtain a visa at the United States Consulate abroad if they just want to “visit” the United States.

Question: If a Re-entry Permit is obtained, can a legal permanent resident remain out of the United States for a long period of time?

Answer: Possibly. One must understand that having a Re-entry Permit does not prevent a Border Patrol Officer from finding that the person has abandoned his legal permanent resident status. Having this permit only prevents the officer from relying solely on the duration of the person’s absence to determine abandonment. The officer may still investigate the absence, not as a reflection of the person’s intent, but to find out if the activities outside of the United States could make the person inadmissible.

Question: How does a person obtain a Re-entry Permit?

Answer: The Department of Homeland Security issues Re-entry Permits. The legal permanent resident will have to report to have his fingerprints taken. However, after the completion of the fingerprints, he may leave the United States before the approval of the Re-entry Permit.

Question: If a legal permanent resident did not obtain a Re-entry Permit, and stayed out of the United States for more than a year, is it too late?

Answer: Not necessarily. This person can apply for a Special Immigrant Visa
(SB-1) at a United States Consulate. Under 22 CFR Section 42.22, a legal permanent resident shall be classifiable as a special immigrant under INA (a)(27)(A) if the consular officer is satisfied that: (1) The alien had the status of an alien lawfully admitted for permanent residence at the time of departure from the United States; (2) The alien departed from the United States with the intention of returning and has not abandoned that intention; and (3) The alien is returning to the United States form a temporary visit abroad and, if the stay abroad was protracted, this was caused by reasons beyond the alien’s control and for which the alien was not responsible. Further, the person must prove that he/she had a definite reason for traveling abroad temporarily, that the visit abroad had a termination date that was relatively short, and that the person had a home and a job in the United States.

For more information, call Attorney Monica Ganjoo for a consultation.
Ganjoo Law Offices currently offer a consultation with Attorney Monica Ganjoo in San Francisco or San Jose for $25. The Staff of Ganjoo Law Offices speak a total of six different languages. For a $25 consultation with Monica Ganjoo, call one of her offices below:

870 Market Street, Suite 340
San Francisco, CA 94102
(415) 495-3710

111 W. St. John Street, Suite 513
San Jose, CA 95113
(408) 975-0500

What Can Be Stopped by Filing Bankruptcy?

By Crispin Lozano

Question: What can be stopped by filing bankruptcy?

Answer: Immediately upon filing of bankruptcy the court will send a mail to your creditors that a bankruptcy has been filed and no collection efforts can be made without the court approval until you are discharged. This will include the following:

1. Foreclosure action. Your lender cannot foreclose your house until the court lifts the automatic stay. If you file Chapter 7 you can keep your house if you will reaffirm the mortgage. In Chapter 13, you can keep your house if you keep paying your debts and mortgage arrears under the payment plan and you keep paying the regular monthly payments on your house after filing bankruptcy.

2. Wage garnishments are stopped except child support payments.

3. Filing a lawsuit or proceed with existing lawsuit or collect money judgments by attorneys or creditors are stopped.

4. Car repossession is stopped.

5. All harassing calls are stopped.

Note: This is not a legal advice.

Immigration News

1. USCIS filing fees will increase by about 10% effective November 23, 2010.

2. The Ninth Circuit Court decided that the death of U.S. citizen parent will not be a hindrance to seek waiver of misrepresentation. Aliens who entered as single but actually married who have U.S. citizen parents but already deceased will benefit from this rule.

3. On March 17, 2010 we received an approval in Immigration Court of adjustment of status for a conditional residence whose status was terminated before. When a conditional residence is terminated the USCIS will refer the alien to removal proceedings.

4. On January 5, 2010, we received an approval in Immigration Court of an adjustment of status based on good faith marriage despite an age difference of 18 years.

5. On Dec. 7, 2009, our client Ms. E was approved for a waiver of misrepresentation in the Immigration Court. In another case, on October 29, 2009, our request for waiver of misrepresentation for entering as single but actually married for our client Mr. D in Fresno, CA was approved by the Immigration Judge.

Tip of the Week
1. Petitioner’s death is not a problem if the beneficiary is in the U.S. when the petitioner died and at the time of adjustment of status.

2. Abused spouse of U.S. citizen or permanent residents can self petition even if there is a problem with their passport and entry documents.

3. Denied I-751 application to remove condition on residence may be renewed in Immigration Court.

4. Income tax filing is required in the proposed legalization. Individual Tax Identification Number (ITIN) can be used for filing tax returns and is required before bank accounts can be opened. It is also needed by employers to charge to expense payment for contractual job. Our office assists clients in obtaining ITIN.

Crispin Caday Lozano is an active member of the State Bar of California and he specializes in immigration law. He earned his Juris Doctor at Western State University College of Law in Fullerton, California. He is also a CPA and a Bachelor of Business Administration Cum Laude graduate. His offices are located at 1290 B Street, Suite 203, Hayward, California 94541; at 17057 Bellflower Blvd. Suite 205, Bellflower CA 90706 and at 777 N. First St., Suite 333, San Jose, CA 95112. You can contact him at telephone number (510) 538-7188.

Wednesday, January 5, 2011

Abandonment of Permanent Resident Status

By Monica Ganjoo

Question: If a legal permanent resident has remained out of the United States for more than six months but less than one year, does it mean that he/she has abandoned his/her green card?
Answer: Not necessarily. You can present your green card at the port of entry after a temporary absence abroad that does not exceed one year. However, if a legal permanent resident stays out of the United States for over one year, he/she may not use that green card to enter the United States with.

Question: If the legal permanent resident has been out of the United States more than a year, and he cannot use his green card at the port of entry to enter the United States, does it mean that he is no longer a legal permanent resident?

Answer: Not necessarily. There is a difference between the validity of a green card as a travel document and the continued viability of the legal permanent resident’s claim to resident status. Whether someone has abandoned his legal permanent resident depends on “intent” rather than the amount of time he has spent outside of the United States.

Question: What is the meaning of “temporary visit abroad”?

Answer: California is governed by the Ninth Circuit. The Ninth Circuit Court of Appeal’s interpretation is: A trip is “temporary visit abroad” if (a) it is for a relatively short period, fixed by some early event; or (b) the trip will terminate upon the occurrence of an event that has a reasonable possibility of occurring within a relatively short period of time – if as in (b) the length of visit is contingent upon the occurrence of an event and is not fixed in time and if the event does not occur within a relatively short period of time, the visit will be considered “temporary visit abroad” only if the alien has a continuous, uninterrupted intention to return to the United States during the visit (Singh v. Reno, 113 F.3d 1512).

Question: What are the main factors that determine if someone has abandoned his legal permanent resident status or not?

Answer: The main thing to look at is the person’s “intent.” The factors that determine “intent” are: family ties in the United States, property holdings, jobs in the United States, duration of residence in the United States, and the person’s family ties, property, and business ties in the foreign country that he was visiting.

Question: If a legal permanent resident has been outside of the United States for less than a year, it is possible that she can still be found to have abandoned her legal permanent residence status?

Answer: Yes, even though her green card is still valid at the port of entry, the Border Patrol Officer can still find that she has abandoned her legal permanent resident status. The Officer may find that if she does not have strong ties in the United States (such as family, residence, employment, etc.), then she does not necessarily need a green card. It may be better for this person to obtain a visa at the United States Consulate abroad if they just want to “visit” the United States.

Question: If a Re-entry Permit is obtained, can a legal permanent resident remain out of the United States for a long period of time?

Answer: Possibly. One must understand that having a Re-entry Permit does not prevent a Border Patrol Officer from finding that the person has abandoned his legal permanent resident status. Having this permit only prevents the officer from relying solely on the duration of the person’s absence to determine abandonment. The officer may still investigate the absence, not as a reflection of the person’s intent, but to find out if the activities outside of the United States could make the person inadmissible.

Question: How does a person obtain a Re-entry Permit?

Answer: The Department of Homeland Security issues Re-entry Permits. The legal permanent resident will have to report to have his fingerprints taken. However, after the completion of the fingerprints, he may leave the United States before the approval of the Re-entry Permit.

Question: If a legal permanent resident did not obtain a Re-entry Permit, and stayed out of the United States for more than a year, is it too late?

Answer: Not necessarily. This person can apply for a Special Immigrant Visa (SB-1) at a United States Consulate. Under 22 CFR Section 42.22, a legal permanent resident shall be classifiable as a special immigrant under INA (a)(27)(A) if the consular officer is satisfied that: (1) The alien had the status of an alien lawfully admitted for permanent residence at the time of departure from the United States; (2) The alien departed from the United States with the intention of returning and has not abandoned that intention; and (3) The alien is returning to the United States form a temporary visit abroad and, if the stay abroad was protracted, this was caused by reasons beyond the alien’s control and for which the alien was not responsible. Further, the person must prove that he/she had a definite reason for traveling abroad temporarily, that the visit abroad had a termination date that was relatively short, and that the person had a home and a job in the United States.

For more information, call Attorney Monica Ganjoo for a consultation.
Ganjoo Law Offices currently offer a consultation with Attorney Monica Ganjoo in San Francisco or San Jose for $25. The Staff of Ganjoo Law Offices speak a total of six different languages. For a $25 consultation with Monica Ganjoo, call one of her offices below:

870 Market Street, Suite 340
San Francisco, CA 94102
(415) 495-3710

111 W. St. John Street, Suite 513
San Jose, CA 95113
(408) 975-0500

May a Battered Spouse Self-Petition and Adjust Status to Permanent Resident?

By Crispin Lozano

A battered spouse of U. S. citizen or lawful permanent resident may self-petition under the Violence against Women Act and file an adjustment of status upon approval of the I-360 petition if the visa is currently available. If the spouse of the self petitioner is a lawful permanent resident she will have to wait until the I-360 petition is approved and the priority date for the second preference is current. Although the law is labeled violence against women act, a male spouse may avail of the benefit of the act.

Question: What documents are needed to prove battery or extreme cruelty?

Answer: Evidence of abuse from police, judges or other court officials, medical records, reports from doctors and psychologist, affidavits from clergy, neighbors, friends or relatives, protective orders from court and other documents showing pattern of abuse.

Question: When can a self petitioner file an application for work authorization?

Answer: A self petitioner is eligible for employment authorization upon approval of the self petition and filing of adjustment of status.

Question: What are the advantages of adjustment of status under VAWA compared to the regular adjustment of status?

Answer: VAWA adjustment of status has the following advantages:

1. VAWA self petitioner need not have been inspected or admitted into the U.S. This means that “Entered without Inspection” or “present without authorization” are eligible under VAWA.

2. Having worked without authorization is not a bar to adjustment.

3. Having overstayed a nonimmigrant visa or having violated the terms of nonimmigrant visa is not a bar to adjustment.

4. Having been admitted as a nonimmigrant under “D” [crewmember], “C” [alien in transit without a visa], or “S” [government witness] does not disqualify self petitioner from adjustment of status.

5. Having been admitted under Visa Waiver program is not a bar to adjustment.

6. Self petitioners do not have to pay the $1000 penalty if they adjust status under Sec. 245(i).

Note: This is not a legal advice.

Immigration News

1. On December 23, 2010, we received an approval from the Immigration Court for a waiver of misrepresentation for an alien who entered as single but actually married.
2. The death of U.S. citizen parent will not be a hindrance to apply for a waiver of misrepresentation.

3. On January 5, 2010, we received an approval in Immigration Court of an adjustment of status based on good faith marriage despite an age difference of 18 years.

4. Petitioner’s death is not a problem if the beneficiary is in the U.S. when the petitioner died and at the time of adjustment of status.

5. Abused spouse of U.S. citizen or permanent residents can self petition even if there is a problem with the entry documents such as C or D visa or entry without inspection or assumed name.

6. Individual Tax Identification Number (ITIN) can be used for filing tax returns and is required before bank accounts can be opened.

Bankruptcy News
1. Chapter 7 will eliminate all unsecured debts. If you are near retirement age, you must eliminate most of your debts.

2. Bankruptcy will stop foreclosure actions. If your trustee sale date is 10 days before, you can still file for bankruptcy.

3. 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.

4. Preserve your health, eliminate stress and live a happy life by eliminating your debts.
Crispin Caday Lozano is an active member of the State Bar of California and he specializes in immigration law. He earned his Juris Doctor at Western State University College of Law in Fullerton, California. He is also a Certified Public Accountant and a Bachelor of Business Administration Cum Laude graduate. He has offices are located in Hayward, San Jose, Fresno and Bellflower, California. You can contact him at telephone number 1-877-456-9266.