Law Offices of Brian D. Lerner, APC

Chapter 13 proceedings are the individual counterpart to chapter 11 business reorganization except that the chapter 13 debtors are individuals who have regular incomes while chapter 11 debtors tend to be business entities.

They have one chance to keep their home: a mortgage pay rate reduction. Mortgage rate reduction programs are not simple to get approved, however, we have a 99% success rate on loan modifications or work out programs.

As an alternative to a mortgage pay rate reduction, if you are unable to make payment at the current rate, we can often negotiate with your lender to extend your loan for a longer period of time, modifying the loan amount to a more affordable level.

Forbearance Agreement is a type of arrangement calls for the borrower to “catch up” the back payments, fees, and interest over a very short period of time (usually three to twelve months). The result is a much higher monthly mortgage payment.

With a deed in lieu of foreclosure, the borrower also avoids the public notoriety of a foreclosure proceeding and almost always receives more generous terms than he would in a formal foreclosure.

Some U.S. citizens and LPRs misuse their control of this process to abuse their family members, or by threatening to report them to the USCIS. As a result, most battered immigrants are afraid to report the abuse to the police or other authorities.

USCIS officials announced that the H-1B cap on visas for highly educated foreign professionals had been reached. Employers will be barred from hiring new H-1B foreign professionals for an entire year.

Asylum provides a haven in the United States for certain persecuted people of the world. The Attorney General may grant asylum to aliens present in the United States who have been the subject of persecution in their home country.

Remember that the SWA is the State Workforce Agency and this is the agency that normally would have done initial processing on the Labor Certification (which many times would last for several years before being sent to the Department of Labor.)

There have been new H-1B provisions which have been passed by both the House and the Senate. It is simply awaiting signature by the President of the United States to make it law. It was actually passed inside of an Omnibus Budget Bill.