Filling for Removing Conditions

[hindocha 0]

When filling for removal of conditions will it look really bad if my wife and I don't have joint accounts? She has bad credit and if I put her down as well then her creditors will start garnishing money...If we explain this in a letter then would it be ok?

[v333k 59]

When filling for removal of conditions will it look really bad if my wife and I don't have joint accounts? She has bad credit and if I put her down as well then her creditors will start garnishing money...If we explain this in a letter then would it be ok?

At the moment - yes, it would be advisable to explain that and be open with this kind of information from the beginning. To USCIS, their firmest proof is joint accounts and since you lack that, you need to find other forms of evidence to include.

[I AM NOT THAT GUY 5,715]

At the moment - yes, it would be advisable to explain that and be open with this kind of information from the beginning. To USCIS, their firmest proof is joint accounts and since you lack that, you need to find other forms of evidence to include.

I don't know. I would think that bad credit might be a flag. I would do everything I could to clean up your spouse's credit. The DHS might notice that information when they do a background check on both the husband and wife, especially if there has been a judgement entered. They can't garnish wages, or attach a bank account, without a judgement.

[Brother Hesekiel 2,236]

Here's what I suggest, and it is what I did: Allow your wife and you to have access to one anothers' account(s). Then go to the bank manager or an assistant manager and have him or her write the following letter:

To Whom It May Concern:

Mr. and Mrs. X have the following accounts at ABC Bank:

1) Checking Account Number 123: Balance $1234.00

2) Checking Account Number 234: Balance $2345.99

3) Savings Account Number 345: Balance $ 678.00

Both, Mr. and Mrs. X have full and unrestricted access to both accounts.

Sincerely,

Bubba

Asst. Mgr. ABC Bank

No need to tell the bank employee for what you need the letter. Just tell 'em you need it.

[v333k 59]

I don't know. I would think that bad credit might be a flag. I would do everything I could to clean up your spouse's credit. The DHS might notice that information when they do a background check on both the husband and wife, especially if there has been a judgement entered. They can't garnish wages, or attach a bank account, without a judgement.

No - bad credit or credit history has no role in ROC. USCIS is concerned with the GC holder and if he/she has entered that marriage in good-faith. The supporting evidence is only to provide USCIS a peak into your world and see that all the signs of a truly married couple are there... hence, joint accounts, credit cards, insurance, tax returns. They could care less if you have good or bad or even no credit.

[hindocha 0]

But if I enter my wifes SSN on my bank account, her creditors can garnish the account hence we don't want to put her details down

[Anh map 2,098]

If you were chosen for an interview and the IO asks then just explain the reasons.

As long as the accounts have the same address (supported by the statement copies submitted) that should not be an issue.

[hindocha 0]

I'm thinking of getting a WILL created, with my wife the solo beneficiary, that should be concrete evidence

[Brother Hesekiel 2,236]

The moment your I-751 is approved you totally change your Will again, so a will has the power of used toilet paper.

On a related note: a Will is so 19th Century. In the 21st Century, we create a Living Revocable Trust.

Edited April 26, 2010 by Just Bob

[LIFE'SJOURNEY 970]

Hind, ROC decisions are not made based on one piece of evidence, but a collective of evidence. Not having a joint bank account will not get you denied.

Just Bob, stop playing with OP emotions, you are too smart for that. Everything that they have in place can be changed the day after the interview.

[hindocha 0]

Cheers Life's Journey.

[Brother Hesekiel 2,236]

Just Bob, stop playing with OP emotions, you are too smart for that. Everything that they have in place can be changed the day after the interview.

So let me see if I'm smart enough for YOUR logic.

If "everything" can be changed the day after the interview/approval, then having a joint bank account means nothing, as the day after the account can be terminated. Correct?

Yet, it means something to the immigration people, as during the time frame leading to the day of the interview, the broke, former homeless, "just-for-green card" contracted USC spouse could have cleaned out the immigrant's accounts. Who would want to risk that? Nobody in their right mind, which is why a joint bank account is a great piece of evidence.

Not so the will. It provides benefits to the aforementioned broke, former homeless, "just-for-green card" contracted USC spouse only in case of the death of the petitioner, in which case the widow would get a load of everything anyway, unless the will is against her.

Therefore, I repeat and maintain, a will is worthless for ROC purposes.

No emotions in that. Just common sense.

[LIFE'SJOURNEY 970]

So let me see if I'm smart enough for YOUR logic.

If "everything" can be changed the day after the interview/approval, then having a joint bank account means nothing, as the day after the account can be terminated.

Correct?

Bob, if this account has no value or very little, what does that show.

Yet, it means something to the immigration people,

as during the time frame leading to the day of the interview, the broke, former homeless, "just-for-green card" contracted USC spouse could have cleaned out the immigrant's accounts. Who would want to risk that? Nobody in their right mind, which is why a joint bank account is a great piece of evidence.

Bob, if this was true then the OP has a bigger problem then trying to ROC.

Not so the will. It provides benefits to the aforementioned broke, former homeless, "just-for-green card" contracted USC spouse only in case of the death of the petitioner, in which case the widow would get a load of everything anyway, unless the will is against her.

Therefore, I repeat and maintain, a will is worthless for ROC purposes.

No emotions in that. Just common sense. A will serve the same purpose as a Insurance policy. So why do USCIS ask except Insurance Policies as evidence.

Again, I state no one piece of evidence tells the whole picture, that is why USCIS ask to see a collective group of evidence.

Still I say it again, Just Bob, you are to smart for the Nick-Picking.

[v333k 59]

Hi guys...

I have to agree with Just Bob. He presents a good point that the Will could be looked at as an irrelevant piece of evidence. Look at it this way....

If I choose today to go and remove my wife's name from being the beneficiary from my 401K, Life insurance, Bank accounts, etc... they will first need her signature before I can do that since she is the one "losing" these benefits. A Will can be changed, or heck, even no one knows about its existence until I am pushing daisies and all of a sudden I have some plan for where my $100 should go....

That's why my first reply was to explain briefly that due to circumstances beyond their control, they are holding back from getting joint ownership of the accounts.

The best thing we can do as members of VJ is to provide possibilities and suggestions to the IO on how to submit a better package.

Edited April 26, 2010 by v333k

[hindocha 0]

I can remove my wife from my will and my bank account any time...so collective of financial documents will count; not just a bank account:

joint health and dental insurance from work place

life insurance and bank account beneficiary

joint names on tenancy

Will

payment for cell phones

....etc etc etc.....

also...text's exchanged to each others numbers, emails, photos of special occasions etc etc

I'm sure all this evidence will count