RFE questions

[bearstory 0]

Hi guys

I just received the RFE letter a few days ago. THey asked for evidence of good faith marriage that covers the period of time from the date of the marriage to the present date. They gave us example like birth cerificate of our child ( WE DO NOT HAVE CHILDRENT YET)AND THey asked for evidence of COMMUNAL RESIDENCE or any other documenttation which show that marriage was not entered in order to circumvent us immigration law. Here is what we sent them before ( LP is me and AP is my husband who is US citizen)

Pictures of Ap and Lp, wedding, vacation pictures

Copy of plane tickets of trip that Ap and Lp took togather visit Lp family in another country

Copy of car loan papers for Lp with Ap as the Co-Borrower.

Life insureance for Ap with Lp named the benefactor, and life insurance on Lp with Ap named the benefactor. (The life insurance paper showing the life insurance on Lp dose not have her name, but simple says "spouse", and Ap as the policy holder is the benefactor)

Photocopies of 2011 federal tax and state tax transcript showing filing status as Married Filing Jointly for 2011.

Photocopies of driver licenses of Ap and Lp, showing a shared address

Photocopies of automobile insurance policy from Progresssive' that has both our names, Lp and Ap on it.

Photocopies of letters from Bluecross Blueshield with the same member ID number and same group number showing a joint health insurance policy

Copy of 401K plan for Ap that names Lp his beneficiary.

OK SO we do not have joint bank account ( im a saver and seem like we always have disagreement over how much should we spend and on what so to avoid the headeche, we never have a joint bank account)

and for some reason I just never think about adding my name on the utility bills such as cable, internet, gas, water so we dont have anything with both our name on it. Since they asked for more so below is what we have

We both have a bank account with chase ( individualy, different account number)

we can print out our bank statements start from the beginning 2009 up until now ( we get married in jun 2010). We moved in together over a year before we get married. Even we dont share same account with chase and the billing anddress is the same for both of us. Do you think it is is good enough to show the uscis that we live together?we do have an auto loan bill that have both our name on it but it started in february 2012 up until now.

copy of individual retirement plan which name my husband as primary beneficiary in case something happen to me.

we already sent them copy of 2011 tax return so we are going to send them Copy of tax return for 2010 and 2012 ( filling as married couple)

copies of our newest insurance cards

affidavit letter from parent in law

copy of Flight + hotel package reservation ( honey moon, vacation trip) and more photos.

whats esle should i send?

Thank you for your time!

Edited April 16, 2013 by bearstory

[atm 8]

Since they are asking for proof of a communal residence, I think they want to see either leases in joint names (over the period of your marriage), or a deed/title to a house/apartment in joint names. I assume you are applying for ROC (I-751)

Edited April 16, 2013 by atm

[bearstory 0]

Hi guys

I just received the RFE letter a few days ago. THey asked for evidence of good faith marriage that covers the period of time from the date of the marriage to the present date. They gave us example like birth cerificate of our child ( WE DO NOT HAVE CHILDRENT YET)AND THey asked for evidence of COMMUNAL RESIDENCE or any other documenttation which show that marriage was not entered in order to circumvent us immigration law. Here is what we sent them before ( LP is me and AP is my husband who is US citizen)

Pictures of Ap and Lp, wedding, vacation pictures

Copy of plane tickets of trip that Ap and Lp took togather visit Lp family in another country

Copy of car loan papers for Lp with Ap as the Co-Borrower.

Life insureance for Ap with Lp named the benefactor, and life insurance on Lp with Ap named the benefactor. (The life insurance paper showing the life insurance on Lp dose not have her name, but simple says "spouse", and Ap as the policy holder is the benefactor)

Photocopies of 2011 federal tax and state tax transcript showing filing status as “Married Filing Jointly” for 2011.

Photocopies of driver licenses of Ap and Lp, showing a shared address

Photocopies of automobile insurance policy from Progresssive' that has both our names, Lp and Ap on it.

Photocopies of letters from Bluecross Blueshield with the same member ID number and same group number showing a joint health insurance policy

Copy of 401K plan for Ap that names Lp his beneficiary.

OK SO we do not have joint bank account ( im a saver and seem like we always have disagreement over how much should we spend and on what so to avoid the headeche, we never have a joint bank account)

and for some reason I just never think about adding my name on the utility bills such as cable, internet, gas, water so we dont have anything with both our name on it. Since they asked for more so below is what we have

We both have a bank account with chase ( individualy, different account number)

we can print out our bank statements start from the beginning 2009 up until now ( we get married in jun 2010). We moved in together over a year before we get married. Even we dont share same account with chase and the billing anddress is the same for both of us. Do you think it is is good enough to show the uscis that we live together?we do have an auto loan bill that have both our name on it but it started in february 2012 up until now.

copy of individual retirement plan which name my husband as primary beneficiary in case something happen to me.

we already sent them copy of 2011 tax return so we are going to send them Copy of tax return for 2010 and 2012 ( filling as married couple)

copies of our newest insurance cards

affidavit letter from parent in law

copy of Flight + hotel package reservation ( honey moon, vacation trip) and more photos.

whats esle should i send?

Thank you for your time!

[bearstory 0]

Yes, it is i751. Since my husband bought the house before we get married and we just did not think about adding my name to the tittle of the house after we get married.

Edited April 16, 2013 by bearstory

[usagirl12 3]

Sorry to say this but looks like you guys didn't prepare for this. Having both of your names on the deed is a MUST. Having joint credit cards/ checking accounts is a MUST. Anyhow, at this point, try to gather as much as you can. If you open a joint account now then it will look fake. I would suggest you get a lawyer and see if he/she can suggest something. I think its easy to add ur spouses name to the deed (no need to refinance)but just make sure with a lawyer if its okay to add it now or if it will look bad that u r doing it after getting the RFE. The USCIS wnats to see a lott of inter mingling of assets. They want to see that you trust each other with your money. Otherwise they won't be able to differentiate between a fake or a real marriage. Anyone who is in a fake marriage can get an apartment together (live as roommates) and take trips together and take lot of pictures. The only thing thats going to separate ur real marriage from a fake one is if they see that u trust each other with ur money.

[klm9971 5]

You dont have Joint Bank Accounts Or your name is not on the lease or any living agreement. No utility bills, nothing! If I am an IO, I will send a RFE because the stuff that you sent doesnt tell that you are living together. I can living separate from one person, be married and have all those documents. No pun intended, but this is how I am looking at your case.

Sorry to say this but looks like you guys didn't prepare for this. Having both of your names on the deed is a MUST. Having joint credit cards/ checking accounts is a MUST. Anyhow, at this point, try to gather as much as you can. If you open a joint account now then it will look fake. I would suggest you get a lawyer and see if he/she can suggest something. I think its easy to add ur spouses name to the deed (no need to refinance)but just make sure with a lawyer if its okay to add it now or if it will look bad that u r doing it after getting the RFE. The USCIS wnats to see a lott of inter mingling of assets. They want to see that you trust each other with your money. Otherwise they won't be able to differentiate between a fake or a real marriage. Anyone who is in a fake marriage can get an apartment together (live as roommates) and take trips together and take lot of pictures. The only thing thats going to separate ur real marriage from a fake one is if they see that u trust each other with ur money.

I couldnt agree more!

[Harpa Timsah 13,258]

You missed two key pieces of evidence, joint bank account and joint lease/mortgage.

You could each have your own bank account but put your spouse on it in case of emergencies. I would recommend that just for life. The other person doesn't have to use it if you want separate finances.

They don't care about your separate bank accounts, so don't send that. I would send a letter explaining why you don't have that, though.

What about another year of taxes? 2012 taxes were due so you should have that to add. What about 2010? Were you not married then?

[bearstory 0]

You missed two key pieces of evidence, joint bank account and joint lease/mortgage.

You could each have your own bank account but put your spouse on it in case of emergencies. I would recommend that just for life. The other person doesn't have to use it if you want separate finances.

They don't care about your separate bank accounts, so don't send that. I would send a letter explaining why you don't have that, though.

What about another year of taxes? 2012 taxes were due so you should have that to add. What about 2010? Were you not married then?

Thank you all for your reponds. some said that we dont trust eachother with money. I dont know if you guys read the whole post but i want to clear some.

we have

Copy of car loan papers for Lp with Ap as the Co-Borrower.

Life insureance for Ap with Lp named the benefactor, and life insurance on Lp with Ap named the benefactor. (The life insurance paper showing the life insurance on Lp dose not have her name, but simple says "spouse", and Ap as the policy holder is the benefactor)

Photocopies of automobile insurance policy from Progresssive' that has both our names, Lp and Ap on it.

Photocopies of letters from Bluecross Blueshield with the same member ID number and same group number showing a joint health insurance policy

Copy of 401K plan for Ap that names Lp his beneficiary.

[bearstory 0]

Thank you all for your repond. I dont know if some of you read the whole post but its not like we dont have anything financial related that why they did not ask for •Financial Records (evidence of joint ownership of assets and joint responsibility for liabilities etc). I read other people case and some get ask for the financial records

I have

Copy of car loan papers for Lp with Ap as the Co-Borrower ( New car so it is pretty big amount of money)

Life insureance for Ap with Lp named the benefactor, and life insurance on Lp with Ap named the benefactor. (The life insurance paper showing the life insurance on Lp dose not have her name, but simple says "spouse", and Ap as the policy holder is the benefactor)

Copy of 401K plan for Ap that names Lp his beneficiary.

copy of my retiment plan that name my husband the beneficiary.

so its not like we dont trust eachther with money, i mean the life insurance, the 401k plan, the auto loan

we do have copy of tax return for 2010 join filling as married couple. I did not sent the first time because I did not think they need it ( i was dead wrong I know)

[silvermug 16]

I'm sorry but I have to disagree on the bold text. We tried this ourselves. The house deed is under my name and it goes hand in hand with the mortgage. We asked the lawyer to change the deed, but then they said that it won't happen until the lender changes the mortgage, as well. We TRIED to put my husband's name in the house deed, but due to his financial adventures in the past, the mortgage rate just changed significantly, and unfortunately not to our benefit.

So we decided to leave the deed and the mortgage be in my name, instead of suffering from the financial implications of such change.

This could only be with our lender :X Other lenders might make this easier.

On topic:

Sorry, why can't you add your name to his account or his name on yours? I'm having a hard time understanding it If you have disagreements in financial management, it doesn't have to actually be implemented in the accounts. You could still keep your separate accounts and do your personal financial transactions separately? I mean, I chip in to pay for the utility bills, but I shop using my personal account, tee hee

Sorry to say this but looks like you guys didn't prepare for this. Having both of your names on the deed is a MUST. Having joint credit cards/ checking accounts is a MUST. Anyhow, at this point, try to gather as much as you can. If you open a joint account now then it will look fake. I would suggest you get a lawyer and see if he/she can suggest something. I think its easy to add ur spouses name to the deed (no need to refinance)but just make sure with a lawyer if its okay to add it now or if it will look bad that u r doing it after getting the RFE. The USCIS wnats to see a lott of inter mingling of assets. They want to see that you trust each other with your money. Otherwise they won't be able to differentiate between a fake or a real marriage. Anyone who is in a fake marriage can get an apartment together (live as roommates) and take trips together and take lot of pictures. The only thing thats going to separate ur real marriage from a fake one is if they see that u trust each other with ur money.

[bearstory 0]

I'm sorry but I have to disagree on the bold text. We tried this ourselves. The house deed is under my name and it goes hand in hand with the mortgage. We asked the lawyer to change the deed, but then they said that it won't happen until the lender changes the mortgage, as well. We TRIED to put my husband's name in the house deed, but due to his financial adventures in the past, the mortgage rate just changed significantly, and unfortunately not to our benefit.

So we decided to leave the deed and the mortgage be in my name, instead of suffering from the financial implications of such change.

This could only be with our lender :X Other lenders might make this easier.

On topic:

Sorry, why can't you add your name to his account or his name on yours? I'm having a hard time understanding it If you have disagreements in financial management, it doesn't have to actually be implemented in the accounts. You could still keep your separate accounts and do your personal financial transactions separately? I mean, I chip in to pay for the utility bills, but I shop using my personal account, tee hee

Its not like i cant add his name to my bank account, or he can add my name on the utility bills. Its just a phone call away but We just never think about it ( yes im so piss at myseft for not doing that). Now im worry that it is a little too late

Edited April 16, 2013 by bearstory

[silvermug 16]

I'm sorry. I'm actually worried myself because I haven't heard anything back from them, and I think we're both Sept filers. I am worried that I might get an RFE, as well and I don't know what I could possibly send them apart from more statements

Would you consider consulting a lawyer and get his/her 2-cents? I also look forward to other people's suggestions on this case.

Its not like i cant add his name to my bank account, or he can add my name on the utility bills. Its just a phone call away but We just never think about it ( yes im so piss at myseft for not doing that). Now im worry that it is a little too late

[gap1 21]

Sorry to say this but looks like you guys didn't prepare for this. Having both of your names on the deed is a MUST. Having joint credit cards/ checking accounts is a MUST. Anyhow, at this point, try to gather as much as you can. If you open a joint account now then it will look fake. I would suggest you get a lawyer and see if he/she can suggest something. I think its easy to add ur spouses name to the deed (no need to refinance)but just make sure with a lawyer if its okay to add it now or if it will look bad that u r doing it after getting the RFE. The USCIS wnats to see a lott of inter mingling of assets. They want to see that you trust each other with your money. Otherwise they won't be able to differentiate between a fake or a real marriage. Anyone who is in a fake marriage can get an apartment together (live as roommates) and take trips together and take lot of pictures. The only thing thats going to separate ur real marriage from a fake one is if they see that u trust each other with ur money.

Not to pour salt in your wound or anything Bearstory, but I completely agree with usagirl. Did you not research ahead when you started the immigration process? It clearly states that during the ROC process, you will have to show proof of sharing a residence and finances. The first thing I started doing (not only for paperwork reasons, but also to help my husband build up his credit in the States) was add his name to everything the moment he moved here.

I totally understand where you're coming from on the shared finances thing, so all we do is have a joint checking account for bills only. We tally up who owes what and deposit our halves into that account, then set up auto bill pay for all bills to come out of it. We still keep all other finances separate.

Edited April 16, 2013 by gap1

[Beth and John 7]

No need to pay an attorney to tell you what you need to send in for your RFE. In my opinion, don't waste your money. That's what VISA JOURNEY is for ... help without an attorney (I also feel that they can slow your case down ... who is better at making sure everything is done quickly and in a timely matter than yourself?!) If what you have isn't enough, you might get called in for an interview. Send in every piece of info you have from the time you were married up until now, i.e. financial and that shows you have comingled your finances. Also, anything else you have that shows you have comingled your life. THAT is what they are looking for. Life insurance policies = good. Having both of your names on the deed is not a must, in my opinion. Sometimes, it just doesn't work out that way ... just like another poster said above ... wasn't logical for them to refinance at a higher rate just to add her spouse. There are definitely other proofs that you live together, and have a good faith marriage.

[bearstory 0]

Not to pour salt in your wound or anything Bearstory, but I completely agree with usagirl. Did you not research ahead when you started the immigration process? It clearly states that during the ROC process, you will have to show proof of sharing a residence and finances. The first thing I started doing (not only for paperwork reasons, but also to help my husband build up his credit in the States) was add his name to everything the moment he moved here.

I totally understand where you're coming from on the shared finances thing, so all we do is have a joint checking account for bills only. We tally up who owes what and deposit our halves into that account, then set up auto bill pay for all bills to come out of it. We still keep all other finances separate.

i thought life insurance, 401 k, car loan are enough for to prove finances join, as for share residence, i thought the anddress on our driver lience is the same which show that we live together. ( i was wrong)

Edited April 16, 2013 by bearstory