House and Car not jointly owned

[hurryup 1]

Hi guys,

My wife and I live in our house, the loan for which is in my name only, as I bought the house before marriage. Same is the case with the car. Is this going to be a problem when providing and proving evidence of relationship?

Neither do I have utilities in my wife's name because they wouldn't add my wife's name to it. Instead, my wife needs to start the process all over again and she will be considered a new customer and pay a new registration fee.

Following is the other evidence that I am providing:

1. Joint Credit Card

2. Joint Checking account statement (which we use only once a year for tax refund)

3. Joint Savings account statement

4. Joint Tax returns for 2007, 2008, 2009

5. Medical, Dental, Vision coverage showing wife as dependant

6. Life insurance

7. 401k with wife as beneficiary

8. Joint Auto insurance

9. Wife's bank statements (her account)

10. Wife's credit card statements (her account)

11. Wife's pay stubs

12. Vacation trips itineraries

13. Photos

14. Two affidavits from friends

What do you guys think? Not having the house and car in both our names is a cause for concern?

Thanks in advance for your thoughts,

Kannan

Edited March 2, 2011 by hurryup

[happyme'11 3]

Hi guys,

My wife and I live in our house, the loan for which is in my name only, as I bought the house before marriage. Same is the case with the car. Is this going to be a problem when providing and proving evidence of relationship?

Neither do I have utilities in my wife's name because they wouldn't add my wife's name to it. Instead, my wife needs to start the process all over again and she will be considered a new customer and pay a new registration fee.

Following is the other evidence that I am providing:

1. Joint Credit Card

2. Joint Checking account statement (which we use only once a year for tax refund)

3. Joint Savings account statement

4. Joint Tax returns for 2007, 2008, 2009

5. Medical, Dental, Vision coverage showing wife as dependant

6. Life insurance

7. 401k with wife as beneficiary

8. Joint Auto insurance

9. Wife's bank statements (her account)

10. Wife's credit card statements (her account)

11. Wife's pay stubs

12. Vacation trips itineraries

13. Photos

14. Two affidavits from friends

What do you guys think? Not having the house and car in both our names is a cause for concern?

Thanks in advance for your thoughts,

Kannan

Looks good to me. About the house and the car my name was added in both .all we did is call the Statefarm and the water company and they added my name.

[YuAndDan 153]

In one word no.

This is very common, just provide evidence of living together as a married couple.

I did not provide House/car ownership evidence either, no problems.

Your list looks good.

[hurryup 1]

Thank you 'happyme'11' and 'YuAndDan'. Glad to read your responses.

[nane1104 146]

I agree, we were in the same situation, my husband had everything regarding the house, cars and utilities in his name, the only thing we had jointly were bank accounts, cellphone and car insurance, life insurance.

I submitted copies of letters/bills to him and/or me that showed the same address and that seemed sufficient.

I have to add though that we also had our military orders and his will with me as the main beneficiary, so that might have mattered a lot as well vs. combined bills....

[Brother Hesekiel 2,236]

You provide all evidence of intermingling that would support your case. If #9 and #10 are in your wife's name only, they would do exactly the opposite, help somebody who wanted to document that you don't intermingle your finances. Throw them away!

Same with the car if it's only in your name. Do not submit a copy of the title of it, as # 8 covers the car and helps making your case.

Regarding the house, you cover that with one sentence in the cover letter: "We still live happily together in the home I purchased in 1938 and . . . "

End of story.

[hurryup 1]

Thank you 'nane1104' and 'Just Bob'. I might just borrow your line!

[pacificleye 4]

Yup Just Bob is right anything she has under her name that doesnt include you should not be submited, except Magazine subscription or mail addressed to her at your common address. Now stuff involving finances or assets that do not include both your names should not be included in your packet. As Just Bob said it show lack of deeply committed relationship. I would avoid those

[damulag 26]

We included evidence of credit cards in my name only and her name only along with joint accounts. The address was the same on all and there was no questioning in regards to the seperate accounts.

[SonoranSongbird 3]

First of all, I would not worry too much about not having joint home ownership or joint ownership of a car. Many couples don't. My husband imported his car from Canada and we each continue to drive the cars we owned before getting married. Although the INSURANCE is joint, it simply never occurred to us to put the title to either car in both names. We also live in the home I bought before we were married and (primarily out of sheer laziness) I did not get around to quit-claiming it to me and hubby jointly until quite recently (err, about 5 weeks before we filed ROC). However, we had joint bank accounts for the entire length of the marriage, proof that we both lived in the house (utilities in each name, yard care bill in both names, and some repair contracts), and lots of itineraries and boarding passes showing vacations together. I thought we might get an RFE about the house, but we didn't. He got approved without an interview or an RFE. Many younger couples live with relatives and do not even own cars. As long as you can at least show joint accounts and joint residence you should be fine.

I agree with JustBob also about the separate accounts, especially the separate bank accounts. You may need to use something separate to show joint residence, but I don't think I'd submit separate bank statements. Often couples do not have joint cards due to credit issues of either spouse and the fact that the USC spouse usually already has cards. Although it is true as well that many couples have separate bank accounts, I just think that one will raise more questions for them than the separate credit cards. You have what looks like enough evidence to me, I'd just take out some of the separate stuff to be sure you are not sending the wrong message (or at least potentially doing so).

Best of luck to you!

[hurryup 1]

Than you - pacificleye, damulag, SonoranSongbird - appreciate your responses.