Category Archives: US WAIVER

If you are inadmissible to the United States and are seeking an immigrant visa, adjustment of status, certain nonimmigrant statuses or certain other immigration benefits, you must file us waiver to seek a waiver of certain grounds of inadmissibility.

Travel Ban to Include Venezuela, North Korea, and Chad

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Travel-Ban-to-Include-Venezuela-North-Korea-and-ChadTrump Adds Venezuela, North Korea and Chan to New Travel Ban

The list of countries that are directly affected by the travel ban enforced by Donald Trump, America’s President, has expanded to include Venezuela, North Korea and Chad. This severely limits the people from these countries from travelling to the United States. It also causes a concern for many Americans who live in the United States because this can disable them from bringing their family members to the United States. Therefore, in this article, I will address how this new travel ban with the new included countries affects Americans and foreign nationals alike.

How the Travel Ban will Affect Americans & Foreign Nationals

The primary individuals that will be affected by this new travel ban are the individuals that were already a part of the travel ban, including citizens from Iran, Libya, Syria, Yemen and Somalia. Earlier this year, Sudan was also included in this list of countries; however, this country is no longer in the list of banned countries. As of recent, Venezuela, North Korea and Chad were included in this list for several different reasons. For instance, the travel ban for Venezuela only affects government officials; the rest of the country’s citizens may travel to the United States but will undergo heightened security screening.

Whereas for the other countries, such as North Korea and Chad, President Donald Trump announced that the United States will be enhancing vetting capabilities and processes for detecting attempted entry into the United States by terrorists and/or other public-safety threats. Therefore, on October 18, this new travel ban is set to be implemented and enforced throughout the United States.

It is important to note that the previously travel ban that was enforced earlier this year was temporary in nature. However, this new travel ban is said to be indefinite. With this new travel ban, the United States have also implemented a regulation that allows for U.S. officials to assess each individual based on a country-by-country and case-by-case basis as opposed to the umbrella ban that was previously implemented. The new order is said to have the most strict guidelines and restrictions on Syria and North Korea. As a result, any citizen from either of these countries will be denied visas to enter the United States.

To better understands the guidelines and restrictions for the current countries that have a travel ban, I have included a chart below.

Country Immigrant Visas Non-Immigrant Visas
Chad Suspends all Visas Suspends Business & Tourist Visas
Iran Suspends all Visas Allows Student Visas Only
Libya Suspends all Visas Suspends Business & Tourist Visas
North Korea Suspends all Visas Suspends all Visas
Somalia Suspends all Visas Allows Visas with Additional Sreening
Syria Suspends all Visas Suspends all Visas
Venezuela Allows Visas with the Exception for Select Government Officials Allows Visas with the Exception for Select Government Officials
Yemen Suspends all Visas Suspends Business & Tourist Visas

 

Venezuela

Interestingly enough, the United States is the largest trading partner of Venezuela. For instance, bilateral trade in goods and services between the United States and Venezuela had reached an approximate $23.9 billion in the year of 2015. Additionally, many Americans can trace their heritage back to Venezuela. Therefore, there are many significant ties between the United States and Venezuela.

However, recently, Venezuela has succumbed to political and economic disorder. There are several anti-government protests in the streets of the South American country which occur on a daily basis. This has unfortunately caused inflation and a raise in unemployment rates and crime rates.

Conclusively, the administration in the United States has concluded that Venezuela’s government does not consider nor share public-safety and terrorism-related information appropriately. Thus, the restrictions on Venezuela focus on specifically their government officials who are responsible for the inadequacies. It is also important to note that any citizens of Venezuela who are current visa holders may be subject to additional security measures and screening to ensure that traveler information remains accurate and current.

Consequences of the Travel Ban

In the U.S., there have been several cases where individuals who had valid visas to enter the U.S. were denied entry and in some extreme cases, their visas were cancelled because of this travel ban. These decisions were ultimately made by U.S. border officials. Many individuals as well as government officials in the United States actually feel as though the travel ban restrictions enforce discrimination based on religious grounds. For instance, the majority of the countries that are a part of this travel ban are Muslim-majority countries.

For many Americans and American travellers, this travel ban can be extremely deleterious. As previously mentioned, there are many individuals that believe the travel ban is illogical, discriminatory, and very un-American. Consequently, there are several sentiments from individuals, either American or foreign, who truly believe that these exclusions and restrictions will not make America safer and it will cause further conflict going forward. Especially since this new travel ban is indefinite towards Syria and North Korea. There is already a large amount of conflict between the United States and these countries and this travel ban can ultimately cause more turmoil and conflict in the future which would not be very beneficial for the United States.

Contact Akrami & Associates

For more information on U.S. matters and different visa applications you can submit, please refer to our different blogs. If you would like more information on the travel ban that was implemented earlier this year, please refer to our blog “U.S. Supreme Court May Enforce Travel Ban.” To obtain any visa in the U.S., it is highly recommended that you seek out professional and experienced help before attempting to submit the application. Here, at Akrami & Associates, we work and have experience with many different immigration issues. We have helped many of our clients visit the United States. If you believe that you may be eligible to apply for a visa to the U.S., please feel free to contact Akrami & Associates at our office at 416-477-2545 for more information or if you would like to book a consultation with an immigration professional for more advice.

With Akrami & Associates, there is always a way!

How to Apply for a U.S. Waiver

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How-to-Apply-for-a-U.S.-WaiverHow to Apply for a Waiver Application

Many foreign nationals can be extremely frustrated when they discover that they are inadmissible to the United States. There are a wide range of reasons for inadmissibility to the United States. In many circumstances, individuals can be completely surprised by the reasons for inadmissibility and can result in not knowing what to do in order to overcome the inadmissibility. It is important to note that a foreign national must overcome their inadmissibility issues prior to travelling to the United States. Therefore, in this article, I will address the different reasons for inadmissibility to the United States and ultimately how to apply for a U.S. Waiver.

Reasons for Inadmissibility to the United States

There are a variety of reasons to be deemed inadmissible to the United States. The reasons can range from not having your passport on you to having a criminal record. Regardless of the reason, if the Immigration officer determines that you are inadmissible to the United States, you will not be allowed entry. To better understand the reasons for inadmissibility to the United States, I have listed the reasons below with detailed explanations.

Not Having Passport on You

When travelling to the United States, as well as anywhere else in the world, it is extremely important to present your passport to any Immigration officer. Your passport will show the Immigration officer your identity, including your first and last name, date of birth, citizenship, and much more. Additionally, your passport should be valid and not expired while travelling as this may cause delays and complications for your travels. Therefore, if you are travelling to the United States either by car or by plane, you should carry your valid passport to avoid being inadmissible.

Criminal Record

This is one of the most common reasons for inadmissibility to the United States. Immigration officers in the United States are extremely strict with whom they allow to enter the country. This is especially the case if the foreign national has a criminal record and may cause a threat or a risk to American society. It is important to recognize that even if the foreign national has had a criminal conviction or offence from forty years ago, they may still be denied entry into America due to the criminal record. When arriving in the United States with a criminal record, the Immigration officer can give you two options. They can either detain you or they can give you a notice of refusal of entry into America.

Insufficient Funds

It is essential to have sufficient funds when travelling to any country. In the United States, Immigration officers will assess whether the foreign national has sufficient funds in order to travel to the United States and sustain their visit. If the Immigration officer determines that they do not have sufficient funds to do so, they can deem the individual as financially inadmissible to the United States. In order to adequately prove that a foreign national does have sufficient funds for their travels to the United States, they can provide bank statements or investment statements to show their funds.

Previous Immigration Violation

An Immigration officer in the United States can deny the entry of any foreign national that has previously violated an immigration law. For instance, if a foreign national previously entered the United States and overstayed their authorized travels, they have violated U.S. immigration law and as such they would be denied entry into the United States. Another common circumstance is when a foreign national is authorized to visit the United States and they begin to work without a valid work permit. In these circumstances, they would also be violating U.S. immigration law and thus will be denied entry into the United States. Conclusively, it is important to always understand the conditions of a visa or permit that is issued to you and especially look for the expiry date. The foreign national must leave the United States prior to their authorized visa or permit expiring.

Health Reasons

When a foreign national is travelling to the United States, it is important to be healthy. There are some health circumstances that can lead to inadmissibility to the United States. For instance, if the foreign national has a disease, sickness, illness or infection that can be potentially contagious or not contained effectively, the Immigration officer has the means to deem the individual as medically inadmissible. The Immigration officer must consider the safety for all Americans and must deny the entry of any foreign national that can impose a threat of spreading disease.

How to Apply for a U.S. Waiver

In order to overcome inadmissibility to the United States, the best solution would be applying for a U.S. Waiver. It is important to note that the U.S. waiver can only be issued only if the foreign national intends on:

  • Seeking an Immigration Visa for the United States
  • Aiming to adjust their status in the United States
  • Obtaining certain non-immigrant status in the United States
  • Seeking other certain immigration benefits

If you fall under any of the above mentioned factors, then you can proceed to apply for a U.S. waiver. By applying for the U.S. waiver, the foreign national must completely fill the Waiver for Inadmissibility Form. Keep in mind, there must not be any blanks left on the application as Immigration is very strict with this. Additionally, if something does not apply to you, it is best to put “Not Applicable” then leaving it blank. Additionally, you must ensure that all of the information you provide on the form is accurate and up to date.

Contact Akrami & Associates

It is essential that you have taken all of the aforementioned factors and information into consideration, if you intend on applying for U.S. Waiver to the United States. If you want to apply for a U.S. Waiver, it is extremely important to note that these are difficult applications to pursue on your own. It is highly recommended that you seek out professional and experienced help prior to submitting the application. Here, at Akrami & Associates, we work and have experience with many different immigration matters. We have helped many of our clients obtain U.S. Waivers to successfully obtain entry into the United States with inadmissibility. If you believe that you may be eligible, please feel free to contact Akrami & Associates at our office at 416-477-2545 for more information or if you would like to book a consultation with an immigration professional for more advice.

With Akrami & Associates, there is always a way!

US Supreme Court May Enforce Travel Ban

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Supreme Court Rules Trump May Enforce Travel Ban

Since Donald Trump has become the President of the U.S., there has been continuous speculation about travel bans towards Muslim-majority countries. This has caused an enormous amount of discussion and concern for many Americans as several of them have immigrated to America from these countries. Recently the U.S. Supreme Court has ruled that Trump’s travel ban, which targets six Muslim-majority countries, may possibly go into effect. This is specifically with respect to any foreign national who lacks any bona fide relationship with a person in the United States. Therefore, in this article, I will address who will be affected by this travel ban and when it will come into effect.

Who will be affected & when will it come into effect

The travel ban is specifically targeting citizens from Iran, Libya, Somalia, Sudan, Syria and Yemen. The travel ban, as stated by Donald Trump, will come into effect within three days of the court ruling. The travel ban excludes any foreign nationals, from these designated countries, in relationships with citizens or permanent residents of the U.S. However, any foreign national that wishes to travel to the U.S. with an accompanying visa, who had never visited the U.S. before, has no family in the U.S., or any business or other ties, may be prohibited from entering.

The new order is speculated to explain the ties each of the six countries has with terrorist organizations. For instance, Iran’s support of terrorist groups such as Hezbollah and Hamas, ISIS activities in Libya, al-Qaeda offshoot operating in Yemen, and the active combat ongoing in Syria and Libya have made these countries targets of the travel ban. Therefore, as a result of these ties, immigrants from these countries cannot be adequately vetted.

It is important to note that the U.S. Supreme Court can overturn lower court orders that have attempted to block the implementation of the travel ban; the U.S. Supreme Court is the highest federal court in the U.S. and therefore is permitted to do so.

There was an order made on March 6, which followed an order previous made that included Iraqi citizens, announced a 90 day travel ban on travellers from the six aforementioned countries, as well as a 120 day ban on all refugees. Going forward, Syrians will no longer be subject to an indefinite ban, as they were in the first order. Additionally, Iraq will not be included in the newest travel ban as there have been negotiations between the Iraqi government and the American government. Iraq has consequently vowed to improve the security of its travel documents and share more information on its citizens with the U.S. government. This order was supported by the U.S. government as they believed it would enforce stronger vetting procedures to be implemented going forward. Furthermore, the U.S. Supreme court will hear a handful of cases in which lower courts have blocked the travel bans; however, there is no guarantee that these arguments will come out successful. The previous bans are said to be going into effect this summer.

Consequences of the Travel Ban

This travel ban unfortunately will cause confusion and concern for many Americans and prospect visitors to the U.S. Due to the previous speculation and discussion within the past few months of Trump’s administration, there is no doubt that there will be more confusion and discussion going forward. Two justices from the U.S. Supreme court have confirmed that it will be very difficult to determine who exactly has a bona fide relationship with the U.S. A bona fide relationship includes parents, children, in-laws and step-relations but does exclude grandparents, nephews, nieces, cousins, and others. Additionally, fiancés were originally placed in the excluded group of family members, however, as of recently they are now determined to be a bona fide relationship. Therefore, it is extremely important for the individual to have a clear understanding of who classifies under a bona fide relationship. This will place a significant burden on any executive official who is entitled to decide whether an individual who is attempting to enter the country from any of the six aforementioned countries indeed has a sufficient and genuine connection to a person or entity within the U.S.

In the U.S., there have been several cases where individuals who had valid visas to enter the U.S. were denied entry and in some extreme cases, their visas were cancelled. These decisions were ultimately made by U.S. border officials. Trump is extremely enthusiastic and adamant about the travel ban. He states that it is in fact a victory for American security.

On the other hand, for Americans and American travellers, this travel ban can be extremely detrimental. Many individuals believe that the travel ban is, in contrast, illogical, discriminatory, and very un-American. Others find it extremely exclusionary to determine which relationships are bona fide and which are not. This can cause extreme heartbreak if grandparents or grandchildren are banned from the U.S. due to their relationships not being bona fide. As a result, there are several sentiments from individuals who believe that these exclusions will not make the country safer and it will cause further conflict going forward.

Contact Akrami & Associates to Petition for your Spouse

For more information on U.S. matters and different visa applications you can submit, please refer to our different blogs. For any visa in the U.S. it is highly recommended that you seek out professional and experienced help before attempting to submit the application. Here, at Akrami & Associates, we work and have experience with many different immigration issues. We have helped many of our client visit the United States. If you believe that you may be eligible to apply for a visa to the U.S., please feel free to contact Akrami & Associates at our office at 416-477-2545 for more information or if you would like to book a consultation with an immigration professional for more advice.

With Akrami & Associates, there is always a way!

Denied Entry into the United States

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Find out if you are eligible for the entry Waiver Application

Are you frustrated because you were so excited for your trip to the U.S. and the day has finally come but you arrive at the border just to find out that you are not allowed to enter the country. This may come as a surprise to many individuals and most of the time they do not even know why they got denied entry in the first place. If you are considered inadmissible to the United States you would have to apply for a Waiver Application to overcome your inadmissibility issue. Most people get offended and/or angry at the border security officers because the majority of time a person gets denied entry to the U.S. is because they may have committed crime from a really long time ago. Your criminal record stays with you forever (unless you go through the criminal rehabilitation process) so if you get denied entry do not be surprised if the officer uses the crime you committed over 10 years ago against you. Do not give up with your situation there’s still hope because with Akrami & Associates there is always a way!

What do I do if I get Denied Entry into United States?

If you get denied entry to any country, the worst thing for you to do is to attempt to re-enter through a different border especially if you want to enter the United States and are a Canadian citizen. By attempting to enter using a different border will not help your situation but just making matter worse because you did not follow the officers’ directions. It can possibly lead to you permanently not being able to enter into the U.S. The reason(s) behind why this is such a bad idea is that denied admissions are updated in U.S. database and are accessible as soon as they enter you into the system (when you get denied entry at a specific U.S. border). This could jeopardize your ability to enter the United States for the rest of your lifetime. Well then what should I do when I am denied entry into the U.S you might ask yourself. All you need to do at the border is stay as calm as possible and do not do anything that would make the officers question you and your situation. We encourage you to seek help from legal experts regarding serious circumstances such as this. When you hire an immigration lawyer experienced in U.S. law, the greater the rate of your applications’ success will be. If you have ever been charged or fingerprinted, an FPS number (Fingerprint Number) was created and linked to your name and associated charges/criminal record so by hiring a lawyer, they will be able to assess your situation and guide you towards the right direction and tell you what steps you should take depending on your charges and criminal activity which is denying you entry into the U.S.

What is a US Entry Waiver?

A USA Waiver also known as an Entry Waiver is a document issued by the Department of Homeland Security (DHS). The Department of Homeland Security is a cabinet department of the United States federal government. Some responsibilities of The Department of Homeland Security includes public security, granting entry to a Canadian citizen with a conviction into the US etc. The US entry waiver will remove all risks of being refused entry at the border. Now you may think that this sounds too good to be true however, the reason that this waiver (once approved) removes all risks of being refused entry at the border is the fact that the DHS is considered a “superior governing body” to the border guards. Depending on the nature of seriousness with your conviction, a U.S. entry waiver can be issued to you for a variety of time periods. If your offence is not as serious, A USA entry waiver can be granted for a period of years, usually 5, and then decreases to either 1 or 2 years if your conviction is on the more serious side. It is strongly advised that you start the renewal process six months prior to the expiry of your US entry waiver if you do not renew your U.S. entry waiver, you run the risk of being “kicked out” of the country at any given moment following the expiry date of your waiver. Also, if you overstay your welcome period, you will run the risk of potentially being inadmissible to the United States the next time you attempt to enter the country (United States of America). The length of the waiver normally depends on the extent or seriousness of the crimes you have committed and the period of time that has elapsed since conviction. Once you have received your US entry waiver, you will be legally allowed inside/permitted to enter the US despite your past criminal records/activities. If you need and/or require any assistance at all with your U.S. entry waiver, please do not hesitate to contact Akrami & Associates today.

How do I obtain a U.S. Waiver?

Obtaining a U.S. entry waiver is not as easy as it looks. However, although it is not easy to obtain, everyone who has ever been charged with a criminal conviction at one point in their lives (no matter how long ago it was) is encouraged to apply for a U.S. entry waiver prior to travelling to the United States of America. Obtaining a U.S. entry waiver is a long and tedious process that begins with having your fingerprints taken by the police or an accredited fingerprinting agency. When you choose to hire Akrami & Associates with your U.S. entry waiver application, we will/are able to complete your application from start to finish with little effort on your part. The finished application will include a long list of documentation required by American authorities such as border officers or immigration officers. This includes documents such as passport pages, biographical information, immigrations forms, conviction reports etc. To find out every document you need, you will have to call Akrami & Associates and one of our legal representatives will let you know depending on your situation/circumstance.

Contact Akrami and Associates today

The legal experts at Akrami & Associates have a lot of knowledge and experience to help assist you with your legal matter because we understand how daunting and overwhelming of a process it can be especially with a matter like the U.S. entry waiver where there are various documents that you are required to include, because of this you may not know where to start but that’s where we come in (once you hire us). We provide you with a list of documents to include and so instead of scrambling to search what you need to include along with your application, you just have to provide us the documents we state on the list we give you. Please call today and book your consultation.

With Akrami & Associates there is always a way!

Waiver Application

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Can I travel to United States with an Offense on Record?

Do you have a Business or Leisure trip planned to the United States but have an inadmissibility issue? The immigration officer at the border can deny you entry for your inadmissibility, to overcome your inadmissibility you may eligible to apply for a US Waiver. There are many reasons you can be Denied Entry to the United States some of these include criminal inadmissibility, not having your passport on you, previous immigration violation, not having sufficient funds, admitting to illegal drug use, immigration fraud, arrest warrant, working without a work permit, having no intension to leave and many other reasons.

Reason you can be Denied Entry to United States

Criminal Inadmissibility:

One of the most common reasons travellers are denied entry to the United States is for having criminal admissibility. If you had a conviction that dates back 40 years and more you can be denied entry for the offence on record. When arriving at the border the officer can either detain to you or give you a notice of refusal entry.

Not having Passport on You:

When travelling to the United States you need to carry a valid passport that is not expired and will not expire before your expected date of departure from the United States. Therefore you must have your passport with you when driving or flying to the US.

Previous Immigration Violation

You can be denied entry for previously having violated the US immigration law such as overstaying your welcome stay as a visitor or working without a Work Permit. Therefore, you must keep in mind to exit the country before your visa expires and having a work permit if you decide to work. Not following the US immigration law can lead to severe consequences on your future trips to USA.

Not having Sufficient Funds

Depending on your length of stay in the US you have to show sufficient funds to prove you are able to support yourself during your time of stay. To demonstrate you are able to support yourself during your time of stay you can provide bank statements.

Admitted Drug Use

If you admitted publicly that you have illegally used drugs you can be denied entry even if you don’t have a criminal record. So be careful what you say publicly as someone may have recorded you and could possibly end up on your record.

Immigration Fraud

Travellers have been denied entry to US under fraudulent grounds such as using a friend or family member’s passport or forging documents to receive a waiver. Do not attempt to cross the border by fraudulent means as this can deny you entry and can ban you from the country for several years.

Arrest Warrant

If you have an arrest warrant you are considered inadmissible to US and can be refused at the border. The US immigration officer at the border informs RCMP that you attempted to cross border they will either arrest on the spot or are simply denied entry.

Working without Work Permit

If an immigration officer at the border believes you plan on working in the country they can deny you entry. Therefore, if you have plan on working in the US have a valid work permit, if you are not planning to work ensure you have sufficient supporting documents to prove your intensions are not to work in the US.

Having no Intention to leave the Country

If the immigration officer believes you have no intensions to leave the country you can be denied entry. To prove to the immigration officer you will exit the country by the end of your authorized stay is by providing supporting documents that proofs ties to your home country.

Inadmissibility on Health Grounds

An individual may be deemed inadmissible to enter Canada on health if he or she is considered to be health threat as determined by an approved panel of physicians. This means, the individual has health related issues towards a disease, sickness, illness, or infection which cannot be contained effectively, can spread to other individuals in large amounts, can spread to other individuals fairly quickly with no or little effort, once begun to spread; it will be difficult to contain; and as a result the presence of the individual could result in a case of national threat where he or she may expose the disease, sickness, illness, or infection to others.

Who can apply for a Waiver Application?

If you are considered inadmissible in to the United States, you will need to apply for waiver of inadmissibility. A waiver of inadmissibility can only be issued if you are seeking the following travel documents or have the intents of doing so:

  • If you are seeking an immigration visa in to the United States
  • If you are aiming for an adjustment of your status
  • If you want certain non-immigrant statuses
  • Or if you are seeking other certain immigration benefits

Waiver Form I-601

If any of the above mentioned bullet points apply to your situation, then you must fill out the applicable Waiver for Inadmissibility Form. The form is available online on the United States Citizenship and Immigration Services Website and can be downloaded as a PDF file. To identify the correct form for the waiver, searching using the identity Form I-601. Refer to the instruction on the website. The form has a total of 13 pages, all 13 pages must be fully completed with complete accuracy. Ensure all the information you put in to the form is correct and up to date, as incorrect and out dated information could result in your waiver application being rejected and could also potentially hinder the possibility of success in your future applications to the United States Citizenship and Immigration services. So ensure you have the latest updated form, submitting it to the correct address and signing were indicated on the form, paying the government fee. If you don’t sign the form it will be returned to you as incomplete which can delay things for you. The fee required for the waiver on inadmissibility grounds is $585. It is payable in American currency or funds.

Documents required to complete a Waiver Form

I-601, Application for Waiver of Grounds of Inadmissibility

• Form I-601 (PDF, 576 KB)

• Instructions for Form I-601 (PDF, 388 KB)

• Flowchart: Filing Certain Waivers of Inadmissibility (PDF, 579 KB)

• Form G-1145, E-Notification of Application/Petition Acceptance (PDF, 240 KB)

Waiver Application Special Instructions

If you are filing this waiver application form from a United States Citizenship and Immigration Services Lockbox Facility, then please make sure to read the important Lockbox Filling Tips online on the Citizenship and Immigration Services Website beforehand.

If you wish to be notified whether through email or a text message that your application has been accepted at a USCIC Lockbox Facility, then complete the required forms and attach them to the first page of your application.

To make sure your application is accepted, ensure the following steps:

  • Pay the correct and complete fee
  • Properly sign your form
  • Complete the entire form accurately and with up to date information, icludig your last name, your current address, and true date of birth.

Contact Akrami & Associates

For a successful waiver application to the United States Citizenship and Immigration Services, you will have to provide an abundant and sufficient amount of paperwork and documentation that will convince the immigration officer that you will obey the law while you are in the US that your reason for entry is valid, that you will respect the terms of your stay in the US, and that you will leave the US once your authorised period of stay is over. Remember, you are required to sign al your documents appropriately and legitimately when you hand them in. otherwise, Citizenship and Immigration Services will not consider these applications, and will return them back to you to fill them in properly. This will delay your application process. Contact us at Akrami and Associated today to book a consultation and determine what next steps you should take.

With Akrami & Associates there is always a way!!