Pennsylvania Medical Bankruptcy Lawyer: When to File for Bankruptcy Due to Medical Debt

Philadelphia Consumer Bankruptcy Attorneys

Cibik & Cataldo

With a bankruptcy, there are debts that take priority over others and cannot be discharged. There are many reasons you are able to file due to any medical debt.

If you don’t have health care, the costs for care are astronomical. If 25% or more of your income is going toward medical bills, you might want to consider filing for medical bankruptcy.”

— Michael A. Cibik, Partner

PHILADELPHIA, PA, UNITED STATES, April 30, 2018 / — Pennsylvania Medical Bankruptcy: When to File Due to Medical Debt

No one plans to get sick or get into a debilitating accident. We pay exorbitant amounts for health insurance for such events. Depending on the health plan you have, it might only cover a fraction of the medical expenses one incurs. If you don’t have health care, the costs for care are astronomical.

There will also be other costs, such as gas for going to the doctor’s, treatment centers and hospital. And if a spouse must take time off from work, it becomes unpaid leave after a certain number of weeks or may have to quit his or her job (or to take care of a family member), reducing the family income by as much as half. It’s not uncommon to hear of fundraisers for those stricken with an illness, which helps but is usually not enough to make a dent.

If 25% or more of your income is going toward medical bills, you might want to consider filing for medical bankruptcy. This type of bankruptcy is no different than filing or a Chapter 7 or Chapter 13 bankruptcy. With a bankruptcy, some debts take priority over others and cannot be discharged.

The debts that take priority are ones that are secured (collateral is put up as payment) and cannot be wiped (discharged). These debts include child support, alimony, and student loans. Medical bankruptcy is considered a non-priority, unsecured debt meaning it can be wiped without having collateral. The only catch is that you must be eligible for Chapter 7 (personal bankruptcy).

In earlier blogs, we discussed the requirements for Chapter 7 and Chapter 13 bankruptcies. With a Chapter 7, you must pass the means test and have little to no assets. There is no limit/cap on the amount of debt you can discharge. And with a Chapter 13, you must earn above the median Pennsylvania income and have assets. You’ll be put on a payment plan set up by the IRS too. Once you make all the payments, the rest of the debt will be wiped away. However, just like being eligible for a Chapter 7 bankruptcy, there is a catch for a Chapter 13. The catch is that there is a debt limit. Chapter 13 is for those who have less than $394,725 total in unsecured debts. Also, they must have less than $1,184,200 in secured debt.

When Medical Bankruptcy is the Solution

There are other options to pay medical bills:

-Negotiate with the medical provider on a settlement. If a collections agency is contacting you, you can negotiate with them as well.
-Ask the billing department if you can set up a payment plan.
-Ask your doctor’s office or hospital if there is an assistance program. Many times, there is a local charity that can help offset costs.

If these options do not provide the permanent relief you need, then medical bankruptcy is the solution. At Cibik & Cataldo, we know that bankruptcy is not what you want. You’re afraid of what people may think of you for taking this route. Believe us; it is not an easy route to take because it involves a deep look into your finances and having you gather the paperwork, such as creating an itemized list of your expenses and financial transactions from the past two years.

There are millions of people who are in a similar situation and have filed for bankruptcy. You’re also afraid that declaring bankruptcy, whether for medical bills or not, will hurt your credit score. Yes, it will hurt your credit score, but so will late and missed payments on your credits cards because you paid your medical bills with them, and maybe even maxed them out in the process.

Discharging Only Medical Debts

Some believe that you can discharge only medical debts in bankruptcy. This is not true. When you declare bankruptcy, you must put all of your outstanding debts on it, secured and unsecured. However, this is a good thing because it simplifies your finances and the bankruptcy process. This will give you an absolute fresh start. It will relieve a large burden so you can focus on getting better (or focus on your loved one who is ill) and get back on track financially. You’ll also be able to concentrate on getting a new job if you had to quit your old job due to the medical situation.

If you think you will endure future medical bills, such as another round of chemotherapy, then you should wait to file for bankruptcy since you can only file for Chapter 7 bankruptcy every eight years. If you have been discharged from a Chapter 7 bankruptcy and need to file a Chapter 13 bankruptcy, you’ll only have to wait four years. However, if you never received a discharge from the bankruptcy, no matter the bankruptcy type, then you don’t have to abide by the time limits.

Medical Bills By Default

Some are forced to declare a medical (Chapter 7) bankruptcy. If you are divorced and your ex files a Chapter 7 because of medical bills, you can be included in the bankruptcy if you co-signed on a loan(s). Even though are you are able to pay your own bills, you cannot pay the outstanding debt too. Thus, filing for bankruptcy is the best solution.

We must warn you about consolidating your debt with a consumer credit counseling service. The creditors may make a payment plan with you and you think that’s it. However, this agreement is not set in stone. The creditors can come back and try to get the rest of the money at a later date, in which you end up filing bankruptcy. This is why it is vital to contact a bankruptcy lawyer if you are thinking about using one of these consumer credit services or filing bankruptcy. Talking to an experienced bankruptcy lawyer can prevent additional interest charged by a creditor and protect your home from foreclosure. You’ll also get bankruptcy facts and what is involved with filing.

Don’t Face Bankruptcy Alone

When you need solid bankruptcy advice, turn to Cibik & Cataldo, the Philadelphia bankruptcy attorneys. For over 40 years, we have helped tens of thousands of people like you get the bankruptcy information they need to make an educated decision on whether or not to file for bankruptcy and which type of bankruptcy is best for their particular needs.

We are ABC certified, so you can trust we know the United States Bankruptcy Code inside and out. We stay on top of the latest code changes to give our clients the best counsel and our fee is cost-efficient. Contact us today or call (215) 735-1060 to set up your free consultation!

+++++ Disclaimer+++++ This press release is considered advertising and does not constitute any client-attorney privilege and does not offer any advice or opinion on any legal matter. This release was drafted by Results Driven Marketing, LLC, a digital marketing, public relations, advertising and content marketing firm located in Philadelphia, PA

Michael A. Cibik, Partner
Cibik & Cataldo
email us here

Source: EIN Presswire

Palladium Hotel earns Certified Autism Center designation

Our goal is that every family has the comfort and confidence of knowing their children are in good care, regardless of their needs.”

— Felipe Martínez Verde, COO-America, Palladium Hotel Group

PUNTA CANA, DOMINICAN REPUBLIC, April 30, 2018 / — Grand Palladium Bávaro Suites Resort & Spa is the latest destination to become a Certified Autism Center (CAC) to help ensure guests and families with children who have autism have the best possible experience. Parents with children on the autism spectrum often find vacationing to be a challenge due to sensory needs, dietary restrictions and safety concerns.

The resort, located in the Dominican Republic but attracting visitors from all over the world, implemented a training and certification program provided by the International Board of Credentialing and Continuing Education Standards (IBCCES). For almost 20 years, IBCCES has been the industry leader in autism training for licensed healthcare professionals and educators around the globe. IBCCES recognized that many families with children with special needs have limited travel options and created programs specifically for the hospitality and travel industry.

“For Palladium Hotel Group, it’s very important to provide specific services that ensure fun and safe activities for families, children and adolescents and sensory inclusive programs for families. Our goal is that every family has the comfort and confidence of knowing their children are in good care, regardless of their needs. We want to ensure an unforgettable vacation for every family,” said Felipe Martínez Verde, Chief Operations Officer-America for Palladium Hotel Group.

While research shows that travel is one of the most intellectually stimulating events for individuals on the spectrum, there are still few trained and certified travel options for parents looking for destinations able to accommodate their needs. Organizations like IBCCES and Palladium Hotel Group are working to change that.

“We’re excited to partner with another great destination that is truly committing to serving those on the spectrum. We want to create safe, sensory-compatible travel options for parents and individuals, so they can visit the leading destinations across the globe and have peace of mind,” said Myron Pincomb, IBCCES Board Chairman. “Our Certified Autism Center designation is awarded to premier organizations who have completed rigorous training and meet the highest industry standards.”

Many destinations tout “autism-friendly” options; however, this term does not necessarily indicate a true understanding of these families’ requirements. More parents are now seeking out destinations that have completed research-based training and professional review to ensure the best experience possible. IBCCES also created, a free online resource for parents that lists certified destinations and connects families to other resources and each other. Each destination listed on the site has met Certified Autism Center requirements, which include extensive staff training and an on-site audit conducted by leading autism experts. Grand Palladium Bávaro Suites Resort & Spa will also be listed with other CACs on, a partnership between IBCCES and Autism Society to connect families and individuals with businesses and resources committed to serving individuals on the spectrum.


Delivering The Global Standard For Training and Certification in The Field of Cognitive Disorders – IBCCES provides a series of certifications that empower professionals to be leaders in their field and improve the outcomes for the individuals they serve. These programs are recognized around the world as the leading benchmark for training and certification in the areas of autism and other cognitive disorders. As part of our commitment to sharing the latest innovations and research, IBCCEs also hosts the International Symposium on Cognitive Research and Disorders to create a forum for collaboration among industry stakeholders.

About Palladium Hotel Group

Based on Ibiza in the Balearic Islands, PALLADIUM HOTEL GROUP is a multinational corporation established over forty years ago with the aim of promoting the island in Spain and across Europe. Over the years it has cemented a position as one of the best-known Spanish companies worldwide. PALLADIUM Hotel Group is a prestigious company which has gone to great lengths to segment its hotels and to launch new brands for each line, pursuing a consistent expansion policy and fulfilling stringent quality standards. At present, the group has establishments in a plethora of destinations around the globe including Ibiza, Mallorca, Menorca, Barcelona, Madrid, Valencia, Oviedo, Fuerteventura, Tenerife, Córdoba and Seville in Spain, Sicily in Italy and the Mayan and Nayarit Rivieras in Mexico, Punta Cana and Santo Domingo in the Dominican Republic, Montego Bay in Jamaica and Salvador de Bahia in Brazil.

Meredith Tekin
email us here

Source: EIN Presswire

Abudo to Address Social Issues like Bullying and Promote Wellness Education through Online Courses

Abudo to address social issues like bullying and promote wellness education through online courses

Abudo is a health success platform aiming to dive into new ocean of social issues like bullying and bring education about tabooed topics like Divorce

PALO ALTO, CALIFORNIA, UNITED STATES, April 30, 2018 / — In “November 2017”, Abudo launched its online healthcare platform providing easy and structured disease education to patients, friends and family members. Abudo is an engaging, easy to digest video course provider, offering patients and their families a guideline to take control of their well-being by learning about illnesses, caregiving as well as health and security standards at workplace. Abudo has successfully debuted online courses on HIV and AIDS, Diabetes, Cancers and Mental Disorders with the end goal to create awareness and improve quality of life. It aims to bring over 30 more courses for general wellness and disease education to your doorstep this year. These courses on Abudo, primarily a patient education website will include modules addressing various social issues like sexual harassment, divorce, bullying and addiction as well as lifestyle challenges like eating disorders, quitting smoking and obesity.

“We at Abudo, strive to touch lives and make them better”, claims Abudo’s CEO Tariq Khursheed. “This is an authentic and well-researched content provider, engaged in promoting 100% unbiased health education just to make consumers aware of how they may improve their quality of life”

Abudo has more than 70k online health success education disseminators. It’s vision reflects gaining a competitive edge by providing 100% unbiased and impartial health education. It talks about taboo subjects and emphasizes on debunking common misconceptions, myths and stigmas associated with diseases and social issues. It addresses important topics like obesity and eating disorders which are on the rise today. The courses offered are designed for the sole purpose of helping consumers improve their quality for life. All of Abudo’s upcoming courses will be online and are available 24/7. Interested individuals can simply sign up for a course and access it from their desktop or mobile any anywhere, at anytime with absolutely no age, gender or accessibility restriction. All of this for just $15 is definitely what makes this platform worth subscribing.

About Abudo:
Abudo is an online health success platform providing easy, structured disease education to patients, friends & family members. It believes in passion for creating a better life, by offering a variety of courses including both, communicable as well as non-communicable diseases along with a course completion certification at the end of each course. Abudo offers value adding guidelines and checklists to improve quality of life all while endeavoring to help patients and caregivers manage stress, improve lifestyle and lead a healthy life.

Kay Kendall
email us here

Source: EIN Presswire

Federal Judge Sheri Polster Chappell Cites Case Law and Grants Crime Victim’s Motion in Howe vs Enterprise Holdings

Verizon VTEXT David Howe

Initial ‘wear and tear’ used to create claim against victim. After victim terminated the rental, the car was subsequently damaged to create a legitimate claim. Money demands followed the mystery damage.

Subpoena Commanding Defendant and Tortfeasor Enterprise Holdings to Produce Surveillance (Photo: Business Wire)

Subpoena Commanding Defendant and Tortfeasor Enterprise Holdings to Produce Surveillance

David Howe FICO GOAT SubscriberWise

David Howe, global Credit Czar and FICO worldwide all-star greatest all-time highest achieving champion MVP

Honorable Sheri Polster Chappell Directs Clerk in the U.S. District Court for the Florida Middle District enabling a measure of due process for victim

Today I acknowledge the Honorable Judge Sheri Polster Chappell and thank her for accepting the voluntary plea to dismiss without prejudice”

— David Howe, National Car Rental victim and USA child identity guardian

FORT MYERS, FL, UNITED STATES OF AMERICA, April 30, 2018 / — SubscriberWise, the nation’s largest issuing CRA for the communications industry and the leading protector of children victimized by identity fraud, announced today the favorable civil disposition from Federal Judge Sheri Polster Chappell in the United States District Court for the Florida Middle District.

The ruling was signed on April 19, 2018, and reads as follows:

Endorsed Order GRANTING Plaintiff David Edward Howe's Voluntary Motion to Dismiss Case Without Prejudice. (Doc. [6]). Federal Rule of Civil Procedure 41(a)(1)(A)(i) allows a plaintiff to dismiss an action voluntarily before the opposing party serves an answer or files a motion for summary judgment. This dismissal is effective upon filing and requires no further action by the Court. See Anago Franchising, Inc. v. Shaz, LLC, 677 F.3d 1272, 1278 (11th Cir. 2012). Accordingly, in compliance with Rule 41(a), this action is DISMISSED without prejudice.

The Clerk is DIRECTED to enter judgment accordingly, terminate all pending motions and deadlines, and close the file. Signed by Judge Sheri Polster Chappell on 4/19/2018. (CMC)

“Although it was an unassuming and straightforward pleading (Case: 2:18-cv-00218-SPC-MRM), the possibility that the federal civil fraud and theft case filed against Enterprise Holdings may have been dismissed with prejudice would have been a dream come true for the corporate tortfeasor,” acknowledged David Howe, America’s child identity guardian and National Car Rental crime victim. “In other words, a dismissal with prejudice could have permanently barred the case from being heard in a civil justice system anywhere in this nation.”



“Of course, denying victims access to public courtrooms — and their commensurate jury verdicts — is exactly the goal of the one-sided and harmful arbitration clauses,” Howe asserted.

“Therefore, after a methodical review of the predatory rental terms — including audio evidence ( connected to the fraud and civil theft — as well as on the legal advice proffered by a concerned federal trial attorney with expertise in these matters, the decision was made to file a pleading to dismiss without prejudice.

“And thankfully, the Judge granted the pleading without delay. The case was dismissed without prejudice, leaving the door open for some small measure of due process – albeit inadequate and unfair for the victim.


“Today I acknowledge the Honorable Judge Sheri Polster Chappell and thank her for accepting the voluntary plea to dismiss without prejudice,” emphasized Howe. “I also sincerely appreciate the speed at which the court responded to the pleading.

“While justice is expensive and routinely delayed, it should never be denied because of predatory and unfair arbitration clauses that markedly disadvantage victims everywhere,” concluded Howe.


About SubscriberWise

By incorporating years of communications performance data and decision models, including FICO's latest analytic technology (FICO 9 Score), SubscriberWise® delivers unprecedented predictive power with a fully compliant, score driven decision management system. SubscriberWise is a risk management preferred-solutions provider for the National Cable Television Cooperative ( The NCTC helps nearly 1000 members nationwide.

SubscriberWise is a U.S.A. federally registered trademark of the SubscriberWise Limited Liability Co.

David Howe, 888-596-1119 x137

Media Relations
330-880-4848 x137
email us here

Like all others who have been asked…National manager implicates Enterprise Holdings with reaction, honesty, and common sense

Source: EIN Presswire

Enterprise Agent Proudly and Systematically Reiterates Arbitration Clause Denying Due Process in USA Courts of Law

Subpoena Commanding Defendant and Tortfeasor Enterprise Holdings to Produce Surveillance (Photo: Business Wire)

Subpoena Commanding Defendant and Tortfeasor Enterprise Holdings to Produce Surveillance

FICO Pro Global Credit Czar and Child Protector David Howe of SubscriberWise

Global Credit Czar and Child Protector David Howe

Victim reluctantly dismisses federal lawsuit after reviewing audio evidence, obtaining one-sided rental terms, and on pro bono advice from federal trial expert

It’s a blow to justice and it’s a sad indictment that in the United States of America lawmakers have allowed forced arbitration clauses to be inconspicuously inserted into agreements…”

— David Howe, US Credit Czar and America's child identity guardian

ST. LOUIS, MISSOURI, UNITED STATES OF AMERICA, April 28, 2018 / — SubscriberWise (, the nation’s largest issuing CRA for the communications industry and the leading protector of children victimized by identity fraud, announced today the comprehensive and outrageous predatory tactics used by the USA car rental industry, and others, to ensure bad acts and bad behavior proliferate with impunity, and outside of the public’s view and scrutiny.

Listen to Enterprise agent eagerly announce the company’s arbitration policy designed to keep consumers far away from open court dockets and jury trials:

Related: Lee County Issues Subpoena Commanding Defendant Enterprise Holdings to Produce Surveillance for Inspection and Copy by Plaintiff and U.S. Credit Czar David Howe, SubscriberWise Confirms:

“It’s a blow to justice and it’s a sad indictment that in the United States of America lawmakers have allowed forced arbitration clauses to be inconspicuously inserted into agreements that honest and innocent consumers engage in millions of times each day in this nation,” proclaimed David Howe, SubscriberWise founder and national child identity guardian. “Under no circumstance – none at all – should a victim who has been harmed by fraud, negligence, or any other civil or criminal wrong be denied due process in a court of law and by a jury of their peers."

“But that’s exactly what the USA car rental industry, along with myriads of other companies with substantial consumer complaints, is banking on – literally and figuratively – to continue lining their pockets with ill-gotten revenue from citizens and visitors who become prey to their shameful and greedy business practices," Howe asserted.


“And according to the National Association of Consumer Advocates, forced arbitration is preferred by companies because it benefits companies – not the employee or consumer,” continued Howe. Here are problems and dangers noted by consumer advocates:

* Individuals are often unaware they've agreed to forced arbitration. Most Americans have accepted goods or services or a job with forced arbitration as a condition; and yet, very few individuals report having noticed a forced arbitration clause in the terms of agreements or contracts they’ve accepted.

* Forced arbitration severely limits consumer options for resolving a dispute. Before any problem arises, you lock yourself into only one option—forced arbitration—for resolving all future disputes or problems. The contract typically also names the arbitration company that must be used – the one preferred by the company.

* Forced arbitration clauses generally bind the consumer—not the company. The way many forced arbitration clauses are written, the seller retains its rights to take any complaint to court while the consumer can only initiate arbitration.

* Arbitration is a private system without a judge, jury, or a right to an appeal. Arbitrators aren't required to take the law and legal precedent into account in making their decisions. There is no appeal or public review of decisions to ensure the arbitrator got it right.

* Employees cannot sue for discrimination, harassment, abuse, retaliation, or wrongful termination. In forced arbitration, the laws that protect us from discrimination based on age, sex, religion, race, disability, and unequal pay for equal work, such as the Civil Rights Act and the Equal Pay Act, become meaningless and unenforceable in court. Employees lose important protections for blowing the whistle on waste or fraud or for fighting retaliation for taking the family medical leave.

* Consumers cannot sue for negligence, defective products, or scams. Just by buying a product or service, consumers can lose their right to hold a company accountable. Even if a retirement account disappears, a home is dangerous and defective, or a loved one suffers harm in a nursing home, a forced arbitration clause means there is no right to take the company responsible to court.

Related: See the ‘wear and tear’ used to initially implicate Howe:

“Yes, it’s time for lawmakers to ban forced arbitration through legislation that will protect the rights of individuals. It’s time to give citizens their constitutional right to due process of law without restricting access to civil and jury-trial litigation involving the public and with open dockets,” Howe concluded.

About SubscriberWise

By incorporating years of communications performance data and decision models, including FICO's latest analytic technology (FICO 9 Score), SubscriberWise® delivers unprecedented predictive power with a fully compliant, score driven decision management system. SubscriberWise is a risk management preferred-solutions provider for the National Cable Television Cooperative ( The NCTC helps nearly 1000 members nationwide.

SubscriberWise is a U.S.A. federally registered trademark of the SubscriberWise Limited Liability Co.

David Howe, 888-596-1119 x137

Media Relations
330-880-4848 x137
email us here

Why Report Fraud? | Federal Trade Commission

Source: EIN Presswire

Old White Men are Destroying Macedonia by Romanticizing Greece

END the anti-Macedonian name negotiations NOW.

Greek leaders have admitted to initiating the anti-Macedonian name dispute as a way of denying Greece's cultural genocide of the Macedonian people.

Every day, I listen to old white men discuss how they're going to change MY ethnicity, my country's name, identity, language, and history – all in the name of appeasing our oppressors. It's surreal.”

— Bill Nicholov, President, Macedonian Human Rights Movement International

TORONTO, CANADA, April 27, 2018 / — Every day, I listen to old white men discuss how they're going to change MY ethnicity, my country's name, identity, language, and history – all in the name of appeasing our oppressors – who deny our right to exist.

Imagine this happening to you and your ethnic group. It's surreal.

Case in point, one of these people that I described above is UN Special Envoy Matthew Nimetz (no offence Matt). He is charged with being the "mediator" in the artificially created, anti-Macedonian, anti-human rights "name dispute" between Macedonia and Greece. How it's possible that a job exists that is designed to change an age-old nationality to appease Europe's worst human rights offender is beyond me, and goes against every human rights convention that the West claims to hold dear.

Greece is trying to force the Republic of Macedonia to change its name in order to continue its policy of denying the existence, and persecution, of the large Macedonian minority in Greece. A point admitted by former Greek PM Constantine Mitsotakis in 1995. Other Greek leaders have admitted to the obvious – that Greece used to deny the existence of Macedonia until 1988, when it suddenly started claiming Macedonia as their own. The "name dispute", as they admit, has nothing to do with Macedonia's name. It's all about denying Greece's cultural genocide of the Macedonian people – which continues to this day.

Macedonia was partitioned in 1913 among Serbia, Bulgaria, Greece and later, Albania, and each country has tried, and some are still trying, to eradicate our existence. These countries have varied their policies, have denied our existence, temporarily acknowledged it, then reverted to past totalitarian practices, banned the use of our name, then decided to claim our name, sometimes our ethnicity, sometimes claiming that our ethnicity really belongs to one of our neighbours. I could go on. So, the question is this: How can Macedonians be Bulgarian, Greek, Serbian and Albanian all at the same time? Macedonia is Macedonian. God forbid that common sense prevails.

Back to the West's romanticizing of Greece which is leading to the downfall of my entire ethnic group. When I met with Matthew Nimetz on that day in his New York office, the first thing he said to me was "I just finished reading 'Greece – The Republic of Irrelevance'". That is one of my op-eds about how an oppressor cannot change the name and identity of the oppressed in order to mask heinous human rights violations against it. In other words, a seemingly unnecessary, but tragically necessary, piece of writing. I asked Mr. Nimetz to point out any argument that I made that he thinks is incorrect. He wasn't able to.

The next thing he said is "Out of respect and in spite of Greece's opposition to it, I'm going to refer to you as Macedonian during our meeting". Was I supposed to celebrate? Later on, his secretary asked me to call him "Matt", not "Mr. Nimetz". So I did. But in international circles I refer to him as "Bob", and I'm doing my best to get his international name recognized as such. But he needn't worry, I'll still allow him to call himself Matt.

And this is the ridiculousness of the artificial "name dispute". The United States and European Union, at Greece's behest, claim that Macedonia must change its name internationally to appease Greece, but they might "allow" us to refer to ourselves as Macedonian internally, but nowhere else. Wow. Thanks. What happened to all of the European Court of Human Rights cases that Macedonians have WON against Greece and Bulgaria for violating our right to exist as who we are – Macedonians. What happened to the United Nations demanding that these countries immediately recognize Macedonians and stop violating our human rights. The vast majority of the world has recognized Macedonia, yet are either ignorant or complicit in allowing Greece's tactics to wipe us out.

I ask you again – put yourself in our shoes. If this were your ethnic group, you would, rightfully, expect everyone to jump to your defence. Well, Macedonians are still waiting. Surprise me. Contact me and ask how you can help. Easier still, as Macedonian Human Rights Movement International has been doing since Macedonia's declaration of independence, simply demand an end to the anti-Macedonian name negotiations and declare to the world that Our Name Is Macedonia. And always has been. Common sense. And hope springs eternal.

During my meeting with Bob/Matt, I pointed out that the first UN mediator for the "name dispute", Robin O'Neil, resigned and came out in clear support of Macedonia by saying, "Macedonia must not and will not change its name in order to appease Greece. If Macedonia succumbs to pressures and changes its name, such events will only give more firepower to Greece until it reaches its final goal – Macedonia to vanish from the map."

I called for the second UN mediator to follow suit, immediately resign and respect the UN's core principles – the Universal Declaration of Human Rights – and end the blatantly racist, and illegal, name negotiations.

Bob, I have to ask you this. During our meeting, you told me that you are of Jewish origin. What if I told you that "Out of respect, I'll refer to you as Jewish", but that I would work tirelessly, every day, to change your ethnic identity and whitewash all of the human rights abuses that your people have endured?

For the rest of you, defend my right to exist. I am a person. We are people. And Our Name Is Macedonia.

Bill Nicholov, President
Macedonian Human Rights Movement International
email us here

Source: EIN Presswire

Iran Human Rights and Hostage-Taking Accountability Act (H.R. 4744).

1988 Massacre

Join us at 2018 Iran Convention

Iran Convention, 2018

This legislation highlights Iranian regime’s ominous record of hostage-taking and human rights abuses, including the 1988 massacre of 30,000 political prisoners

Irrespective of U.S. policy decisions on the JCPOA, Iranian regime remains “dangerous and threatening” to the U.S., its allies, and to the Iranian people.”


WASHINGTON, DC, USA, April 27, 2018 / — Organization of Iranian American Communities (OIAC) welcomes the passage, in the U.S. House of Representatives, of bipartisan Iran Human Rights and Hostage-Taking Accountability Act (H.R. 4744). This legislation highlights Iranian regime’s ominous record of hostage-taking and human rights abuses, including the 1988 massacre of 30,000 political prisoners. The bill also mandates, or demands the imposition of U.S. sanctions on Iranian regime officials and business for these crimes.

We applaud Chairmen Ed Royce (R-CA), Michael McCaul (R-TX), Ranking Member Elliot Engel (D-NY), and Rep. Ted Deutch (D-FL) for their leadership on this legislation. We further thank Judge Ted Poe (R-TX) for his guidance, and the bi-partisan members of congress for their role in holding Iranian regime accountable for flagrantly disregarding fundamental rights of the Iranian people. The legislation condemns, “the barbaric mass executions carried out over a four-month period in 1988,” when “thousands of political prisoners were executed by hanging and firing squad for refusing to renounce their political affiliations.”

Today, Iran’s barbaric regime the leading per capita executioner of its own citizens in the world, while also systematically persecuting ethnic and religious minorities. We agree with House Foreign Affairs Committee leadership in that, irrespective of U.S. policy decisions on the JCPOA, Iranian regime remains “dangerous and threatening” to the U.S., its allies, and to the Iranian people.

In our ongoing effort to mitigate this threat, 1,000 delegates from 40 States will attend the Iran Freedom Convention in Washington, DC to support this congressional sentiment and to echo the call by the Iranian people for a democratic regime change in Iran.

About OIAC: The Organization of Iranian-American communities-US (OIAC), all-volunteers non profit organization, believes democracy and human rights in Iran are imperative to the national security of America and peace in the Middle East and beyond.
Dr. Majid Sadeghpour
Organization of Iranian American Communities-US (OIAC)
email us here

Dr. Majid Sadeghpour
Organization of Iranian American Communities-US (OIAC)
email us here

Watch 2018 Iran Freedom Convention 2 min introduction

Source: EIN Presswire

A Sinhalese & a Veteran Tamil Political Leader Received Prestigious Awards from Transnational Government of Tamil Eelam

Dr. Brian Seniveratne and Attorney Karikalan Navaratnam

The Sinhalese is the first cousin of former President Kumaratunga & the Veteran Tamil leader was imprisoned along with late S.J.V. Chelvanayagam in 1958 & 1961

TORONTO , CANADA , April 26, 2018 / —

A Sinhalese who is a first Cousin of former President Chandrika Kumaratunga and a Veteran Tamil political leader who was imprisoned along with late Tamil leader S.J.V. Chelvanayagam in 1958 and 1961 received prestigious awards from Transnational Government of Tamil Eelam (TGTE) at an event in Canada.

Nelson Mandela Memorial award was presented to a Sinhalese Professor Dr. Brian Seniverantna and S.J.V. Chelvanayagam (Thanthai Senva) Memorial award was presented to Attorney-at-Law Karikalan S. Navaratnam.


Professor Dr. Brian Seniveratna, is the first cousin of former President Chandrika Kumaratunga and a nephew of two former Prime Ministers, was given the Nelson Mandela Memorial Award to honor his lifelong commitment to fight injustice against Tamils.

“We hail Dr. Senewiratne as the voice of reason of the Sinhalese” said TGTE Prime Minister Mr. Visuvanathan Rudrakumaran.

Despite his privileged background he chose to wage a courageous and often lonely campaign against the atrocities committed against the Tamil community. Dr. Senewiratne cared for the welfare of the Tamils as much as he cared for the wellbeing of his own Sinhala brethren.

When Dr. Senewiratne saw the rights of Tamils were impinged upon by successive Sinhalese governments of Sri Lanka and Tamil's peaceful democratic protests were put down by government-sponsored pogroms and by military force, he made it his mission to defend the rights of Tamils to live with equality, dignity and security and without discrimination in the country of their birth, enjoying the same rights and privileges accorded to the Sinhalese community.

In 1972, as Professor of Medicine at the University of Peredeniya he took up the cause of Tamils, when they were hounded out of their dwellings by Sinhalese goons during the term when his aunt Mrs. Sirimavo Bandaranaike was Prime Minister. He did what he impishly referred to as, “my nocturnal ward-round” wherein he traversed the streets of Kandy picking up dying Tamils, so that they could be given immediate medical attention in hospital and if they could not be saved to die with dignity.

As a recognition of his commitment he was appointed as a Senator in the Transnational Government of Tamil Eelam (TGTE).


Karikalan's involvement with Tamil struggle started when he was a high-school student in 1958. He was arrested in 1958 for his protest against Sinhala-only Sri activities, along with Tamil leaders like late S.J.V Chelvanayagam (Thanthi Selva) and late Vanniasingam. It should be noted that this was the first struggle when Tamils were arrested and imprisoned for political reasons.

Mr. Karikalan continued his active involvement with Tamil struggle and took a leading role in Tamil's major non-violent struggles, including the 1961 Non-Violent campaign called Satyagraha, when Sri Lankan Government was completely paralyzed in Tamils homeland of North-East for three months, due to peaceful protests of Tamils demanding rights. Sri Lankan Government declared the State of Emergency, arrested Mr. Karikalan and Tamil leaders like S.J.V. Chelvanayagam and Vanniasingam. They all were imprisoned in a Military Camp in the South called Panagoda. Karikalan was only 20 years old and was the youngest prisoner. He was released when other leaders were released after six months in custody.

It should be noted that Mr. S.J.V. Chelvanayagam himself personally went to the Supreme Court to wish and congratulate Mr. Karikalan when Karikalan took oaths as an Attorney-at-Law. After he became an Attorney-at-law, he worked closely with Tamil leaders, including S.J.V. Celvanayagam. He was part of the team that drafted major documents for the Federal Party. He personally spent time with S.J.V. Chelvanayagam discussing and drafting important documents and agreements on Tamil demands.

When Tamil youths got involved in struggle against discrimination in University admissions, he became one of their main lawyers and assisted them at great risk. He defended several leading Tamil youths in courts, including Pon Sivakumaran, Thangathurai and Kuttimani. As a mark of respect to Karikalan, Thangathurai named his son Karikalan when he was sentenced to death by the Sri Lankan Government. It should be noted that Thangathurai, Kuttimani and 52 Tamil political prisoners were killed by Sinhalese Prisoners – with the help of Sinhalese Prison Guards – inside Welikade prison during 1983 pogrom against Tamils .

Transnational Government of Tamil Eelam
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Source: EIN Presswire

New York Academy of Medicine, honors Dr. Ruth Watson Lubic, RN, CNM, Ed.D, as the 2018 Urban Health Equity Champion .

As a passionate advocate for health equity, especially on behalf of low income women and women of color, your presence will help us elevate the conversation about the profound disparities in health.”

— Kimber Bogard

WASHINGTON, DC, UNITED STATES, April 26, 2018 / — Washington, DC, April 26, 2018 – New York Academy of Medicine is proud to honor Dr. Ruth Watson Lubic, RN, CNM, Ed.D, as the Urban Health Equity Champion at the Annual Gala on June 12, 2018, at Cipriani, 25 Broadway, New York.

MacArthur Foundation recognized Ruth Lubic, a nurse-midwife, has had a significant influence on the delivery of maternity care and child health care in the United States.

Lubic has promoted midwives as the primary providers of maternity care (with physician back-up) as an effective and less costly alternative to the physician-based care commonly practiced in the United States. Widely used throughout the industrialized world, this model helps place quality services within reach of underserved, low-income populations. An advocate for such innovations as freestanding birthing centers, Lubic is respected for her equal dedication to the quality of care and family empowerment. She has also instituted a program for new families in inner-city Washington, D.C.

Lubic is the founder and president emeritus of D.C. Developing Family Center. She was the general director of the Maternity Center Association for twenty-five years, and, in 1983, she founded its offshoot, the National Association of Childbearing Centers. In 1995, she was appointed an expert consultant in the Office of Public Health and Science, U.S. Department of Health and Human Services. In addition to numerous articles, she is the co-author of Childbearing: A Book of Choices(1987).

"As a passionate advocate for health equity – especially on behalf of low-income women and women of color — your presence will help us elevate the conversation about the profound disparities we are facing in health," said Kimber Bogard, Ph.D., Senior Vice President, Strategy, and Programs,The New York Academy of Medicine.

The New York Academy of Medicine has a 171-year history of driving change to advance health equity. Our work ranges from on-the-ground programs in under-resourced areas of New York City such as East Harlem, policy initiatives that address the social determinants of health at the city, state, national and international levels, a world-class historical collection on health and medicine and a vibrant Fellows program. Health equity remains the core of our mission.

Dr. Ruth Watson Lubic is a member of the Board of Directors of the Thomas Gaiter Foundation, a non-profit organization dedicated to the education and health of all people.

Thomas Gaiter
Thomas Gaiter Foundation
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Source: EIN Presswire

Nicole L. Johnson Joins the Institute for Diversity Certification (IDC)® as Chairperson of the Advisory Board

Nicole L. Johnson

Accomplished Diversity and Inclusion (D&I) thought leader to oversee Board efforts to institute global standards for D&I work and complete accreditation process

PHILADELPHIA, PENNSYLVANIA, U.S., April 26, 2018 / — Nicole L. Johnson has been tapped to lead the Institute for Diversity Certification (IDC)® Advisory Board and accreditation process. Johnson is an accomplished executive with over 25 years of Fortune 500 and Non-Profit experience in a unique combination of functional areas. As a results-driven and visionary leader, Johnson has the right mix of skills and experience to ensure IDC indicates excellence and achievement in its certification programs, as well as completes the accreditation process for the Certified Diversity Executive (CDE)® and Certified Diversity Professional (CDP)® credentials. Presently, Johnson is the Chief Strategist and Innovator for Johnson-Reece Consulting, and formerly worked at the Philadelphia Convention and Visitors Bureau, ARAMARK, Wyndham Worldwide/Cendant Corp., Verizon, and more. Johnson's background in Diversity, Marketing and Finance perfectly complements IDC's credentialing philosophy of utilizing Diversity and Inclusion to help organizations make money, save money, and achieve organizational goals.

As an affiliate of the Society for Diversity, IDC conferred its first credentials in 2011. Today, there are thousands of candidates and designees around the world. Our credentials are recognized by employers as a symbol of inclusive excellence and achievement. Leah Smiley, President says, "We set the bar high for effectiveness in Equity, Diversity and Inclusion work through rigorous, professional qualification standards. IDC's credentialing program is unique in that we update our curriculum every two (2) years to account for industry changes, new terminology, next generation strategies that work, and the most recent research. Our designees play a role in curriculum development, professional peer review, and class facilitation in exchange for continuing education credits." IDC was formed for the sole purpose of providing diversity and inclusion management preparation courses and materials; administering diversity certification exams; and designating diversity and inclusion credentials to Certified Diversity Professionals (CDP)® and Certified Diversity Executives (CDE)®. There are designees in 35+ U.S. states, as well as Canada, Japan, Germany, Poland, and India.

IDC is currently seeking accreditation from the National Commission for Certifying Agencies (NCCA) – Institute for Credentialing Excellence. IDC submitted its application in 2017 and is working to ensure that its certification process demonstrates high quality, accountability and industry best practices. NCCA standards require accredited programs to maintain and engage an independent Board, as well as develop a legally defensible process. IDC has been a member of the NCCA's Institute for Credentialing Excellence since 2016. The organization intends to complete the NCCA accreditation process with the help of its Advisory Board, which is responsible for overseeing the development, administration and scoring of the exams; participating in disciplinary determinations; as well as reflecting the interests of the general public, to name a few. Johnson says, "This Board appointment is an extension of my work as a 'Newbie Navigator', where I help Diversity leaders and organizations create an optimal workplace culture for authenticity and inclusion. Professional credentials are not just for new Diversity leaders only; the credentials ensure that there is a standard of quality and indication of a leader's knowledge, skill and ability to get expected results. I'm excited about helping IDC transform the global D&I profession."

IDC's Advisory Board represents the best and the brightest leaders in the equity, diversity and inclusion community. The Board is autonomous and works within the framework of a legal entity. Each member serves for a period of two years.
Johnson will work with Vice-Chair of the Board, Carla Hunter Ramsey, Global Senior Director of Corporate Social Responsibility at National Grid. Hunter Ramsey received a Certified Diversity Executive (CDE)® credential from IDC in 2015. As an established inclusion leader with offices in the U.S. and U.K., Hunter Ramsey has invested the past 8 years building an award winning global supply chain corporate social responsibility initiative at National Grid.

Other Board members include:

Chief Human Capital Development Division, NASA

Field Supervisor, School of Education, Indiana University Purdue University of Indianapolis (IUPUI)

Principal Business Consultant, People Fluent

President of Sales & Marketing, The Smiley Group Inc.

​Human Resources Manager, Oak Manor Senior Living Center

Johnson is currently in the process of expanding the Board and will work with IDC staff to revolutionize standards and expectations for Diversity and Inclusion leadership. Hande Jaworski, IDC Registrar, is the dedicated staff liaison to the Board, and will assist with completing and managing the accreditation process.

For more information about the Institute for Diversity Certification or its credentialing processes, log onto

Leah Smiley
The Society for Diversity Inc.
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Source: EIN Presswire