Maniolas

After a debtor receives a discharge in bankruptcy, creditors whose debts are discharged are required to report that the account has a zero balance. The fact of the filing itself can remain on the credit report for 10 years from the date it was filed. A debtor interested in re-establishing credit after bankruptcy should obtain credit reports from the 3 largest credit reporting agencies, (Experian, Equifax, and Trans Union) and ensure that the account balances have all been zeroed out. If not, the debtor should contact the credit reporting agencies and ask that the record be corrected Methods of Re-Establishing Credit A debtor seeking to re-establish credit should consider applying for a secured card, usually a Visa or Master Card. This is a credit card issued by a bank to a customer who is required to establish a savings account at the bank, which is used as security or collateral for the card. Typically, the limit on the card is based on the amount of collateral put up in the form of the savings account. Often, the bank will have an annual fee. The benefit of the secured card is that banks will issue them to persons with poor credit reports in the past, but who have the ability to pay the deposit to secure the account. Major store cards are also a good addition to building credit. Once you have a major credit card, even a secured card, it’s usually all that’s required to open an account at a Read More …

By Josephine Grace Aguilo Bb. Pilipinas 2016 Miss Intercontinental Jeniffer Hammond (left), Miss Grand International Nicole Cordoves (center), and Miss International Kylie Verzosa (right) pose for photographers at the Novotel, Araneta Center in Quezon City, Wednesday. The ladies are set to leave for their respective competitions next month (October). (MNS photo) MANILA, Sept. 28 (PNA) – Miss Universe Organization officials are currently in the Philippines to conduct ocular inspections in Manila and other destinations to be visited by the candidates, Tourism Undersecretary Katherine de Castro confirmed on Wednesday. In an interview, de Castro said that technical inspections were already conducted in Manila, particularly at the Mall of Asia Arena where the coronation night will be held. Other provinces to be visited by the organizers are Vigan, Cebu, and Davao. When asked about reports that other candidates are hesitant to visit Davao City due to travel advisories issued by the country they represent, de Castro clarified that there has been “no concrete statement from Miss Universe in terms of Davao. “Davao will definitely push through. It will be part of the ocular inspection for the next few months,” she said. After the bomb explosion in Davao City on Sept. 2 that killed 15 individuals and injured 69 others, five countries issued travel warnings to Davao City, namely Australia, United States, United Kingdom, Canada, and Singapore. “Not all candidates will be joining the Davao leg. Miss Universe is not required to bring the 97 candidates,” said de Castro. She also mentioned that Read More …

Former Senator Miriam Defensor Santiago, known as the “iron lady of Asia” died Thursday morning after a two-year battle with lung cancer. She was 71 years old. According to reports, Santiago died peacefully in her sleep at 8:51 Thursday morning at the St. Luke’s Hospital in Quezon City. Santiago ran but lost in the May 9 presidential elections. She entered the presidential derby despite being diagnosed as having stage 4 lung cancer. With her death, the country has lost one of its most intellectually gifted brilliant political leaders the Philippines has ever produced. She was known in the Senate as a tough fiscalizer with a zero tolerance against corruption. The feisty former Senator from Iloilo was not only known for her wit and intelligence, but also for her sharp tongue that has rebuked corrupt and inefficient government officials . Santiago was elected senator in 1995. She served three terms in the Senate. She retired from politics after her term ended last June 30. Senator Santiago gained worldwide attention after being elected in 2012 as the first Asian from a developing country to be elected in the United. Nations (UN) as judge of the International Criminal Courts (ICC). However, many believed that her deteriorating cancer ailment made her relinquish voluntarily the prestige of being an ICC judge. The ICC hears cases against heads of state. Santiago was one of the few politicians that I know who served in all three branches of the Philippine government – judicial, executive and legislative. In Read More …

Sen. Miriam Defensor-Santiago arrives at the Commission on Election headquarters in Manila to file her certificate of candidacy (COC) for president under the People’s Reform Party on Friday. Santiago also announced Sen. Bongbong Marcos would be her running mate for the 2016 elections.(MNS photo) MANILA, Sept 29 (Mabuhay) — Former senator Miriam Defensor Santiago has passed away after a long bout with lung cancer, according to her husband Atty. Jun Santiago said. She was 71. “She died peacefully in her sleep this morning,” Santiago said. Santiago’s passing came just weeks after she was brought to the St. Luke’s Medical Center in Bonifacio Global Citya fter suffering complications. The senator, known for being feisty and fearless, first announced on July 2, 2014 that she had been diagnosed with stage 4 lung cancer. She was then teary-eyed speaking to reporters but still went on to tell jokes, even saying that she was “excited” she had the disease. In October 2015, or over a year after her announcement, Santiago declared she would seek the presidency for the third time after having supposedly “conquered” cancer. Santiago served in all three branches of the government. She was a former presiding judge of the Quezon City Regional Trial Court (judicial branch); immigration commissioner, agrarian reform secretary (executive branch); and a senator for three terms (legislative branch) or from 1995 to 2001 and 2004 to 2016. She had filed the most number of bills in the Senate. Some of her pending bills are the Anti-Political Dynasty Bill, Read More …

— WIRETAPPING FOR ANTIDRUG WAR: Senate Committee on Public Order and Dangerous Drugs Chairman and Senator Ping Lacson(2nd from right) explains the need for the Philippine National Police (PNP) and other law enforcement agencies to employ wiretapping operations in the war on illegal drugs during a committee hearing on Tuesday, September 27, 2016. Lacson, a former PNP chief, said the PNP and other anti-drug agencies should rely more on signals intelligence (SIGINT), but stressed that only government must be able to possess wiretapping equipment and not private and non-government entities “so they won’t fall into the wrong hands.” Also in photo are (right to left) Senate Majority Leader Vicente “Tito” Sotto III, along with Senators Gregorio Honasan and Manny Pacquiao.(MNS photo) MANILA  (Mabuhay) – House Speaker Pantaleon Alvarez on Wednesday said he thinks certain “forces” are behind the attack on Bilibid inmates, including Jaybee Sebastian, so they won’t be able to testify on the illegal drug trade inside the national penitentiary. Alvarez said the timing of the attack was suspect, especially since the House committee on justice has already summoned Sebastian to its drug-related inquiry next week. “That [attack] is sad. Apparently, there are forces na ayaw na mag-testify iyong Jaybee Sebastian and tingnan natin ang motibo kung sino ang ayaw na malaman siguro ang katotohanan,” said Alvarez. “Bakit ngayon lang sila magpapatayan, targeted pa ang intended resource person ng committee on justice,” the House leader said, adding that there is “always that possibility” that the attack is connected to Read More …