Fiancee Visa Debt Problems???

[warmthoughts 0]

I have searched and searched, but can't seem to find an answer anywhere to my questions. I am planning to apply for a Fiancee visa for my fiancee in Peru in a year or two from now. But, I have been worried because of some credit card debts and unsecured loans which I had from a previous marriage.The debts and loans now amount to about $45,000. I haven't paid anything on these debts for about a year or two now since i know i can't afford to pay them. I don't plan to pay them off. Since I don't own any property of my own there is nothing my creditors can do to get me to pay. Instead i just get harrassing mail and phone calls from collector agencies which I ignore. I need some advice... Should I be worried about whether or not this debt will cause problems for me when we apply for the visa? Will I be questioned any about the debts or not? I make above the minimum income requirement on the affidavit of support, but just barely. I should make about $20000 annually for the next few years. It concerns me since i never read anything about it on the forums. Can anyone give me some advice?

[married2006 0]

I have searched and searched, but can't seem to find an answer anywhere to my questions. I am planning to apply for a Fiancee visa for my fiancee in Peru in a year or two from now. But, I have been worried because of some credit card debts and unsecured loans which I had from a previous marriage.The debts and loans now amount to about $45,000. I haven't paid anything on these debts for about a year or two now since i know i can't afford to pay them. I don't plan to pay them off. Since I don't own any property of my own there is nothing my creditors can do to get me to pay. Instead i just get harrassing mail and phone calls from collector agencies which I ignore. I need some advice... Should I be worried about whether or not this debt will cause problems for me when we apply for the visa? Will I be questioned any about the debts or not? I make above the minimum income requirement on the affidavit of support, but just barely. I should make about $20000 annually for the next few years. It concerns me since i never read anything about it on the forums. Can anyone give me some advice?

i dont thinkyour credit score means anything to them.just meeting the guidelines is all they care about.20 g a year might be cutting it close in a year or two

[Ken_Maria 0]

Filing your Income Tax returns might be a problem if the debts go into collection. The creditor can put a lein on any refunds you may or may not receive. Since I have never been in this situation, I am not sure collections on your ITR would be annotated or if it would affect your petition.

$20K a year is not much in most states, you might have a tough time meeting the poverty guidelines. On a side note, if you are successful in getting an approved petition and getting your financee to the U.S. it will be difficult to establish any credit to get a car, house...etc if your debts are in collections. Just a thought, have you tried one of the debt consolidation programs? Ken

I have searched and searched, but can't seem to find an answer anywhere to my questions. I am planning to apply for a Fiancee visa for my fiancee in Peru in a year or two from now. But, I have been worried because of some credit card debts and unsecured loans which I had from a previous marriage.The debts and loans now amount to about $45,000. I haven't paid anything on these debts for about a year or two now since i know i can't afford to pay them. I don't plan to pay them off. Since I don't own any property of my own there is nothing my creditors can do to get me to pay. Instead i just get harrassing mail and phone calls from collector agencies which I ignore. I need some advice... Should I be worried about whether or not this debt will cause problems for me when we apply for the visa? Will I be questioned any about the debts or not? I make above the minimum income requirement on the affidavit of support, but just barely. I should make about $20000 annually for the next few years. It concerns me since i never read anything about it on the forums. Can anyone give me some advice?

[warmthoughts 0]

Did anyone which had their visa approved have credit card debts or loans when they applied for a fiancee visa? If you did can you please tell me how much you owed? How many times was the subject brought up during the process? Did they say anything about it? Do you think 20000 dollars is enough to bring my fiancee here in about 3 years from now? Is there anything which they deduct from your gross earnings when calculating if you met the poverty guideline? What is the current poverty guideline which I would need to meet this year?

[Robin28 2]

They don't care if you have debt .. you have to meet the poverty guidelines when it comes time to be the sponsor .. if you don't meet them alone you can have a co-sponsor to help.

http://www.uscis.gov/files/form/I-864p.pdf

[kitkat1 5]

They don't care if you have debt .. you have to meet the poverty guidelines when it comes time to be the sponsor .. if you don't meet them alone you can have a co-sponsor to help.

http://www.uscis.gov/files/form/I-864p.pdf

EXACTLY. Your debts are not their concern -- as long as you can prove financial support, either on your own with a co-sponsor.

[warmthoughts 0]

Its encouraging to me to hear others which have become married to their foreign fiancee's tell me that the debts and loans won't matter in the process. Thankyou. Can anyone give me some more specific information about a situation similar to mine that worked out fine? Did anyone else apply for a fiancee visa with a similar amount of debt and a similar income? How much did you owe? Did they say anything about it? What do you think about my situation, will it be difficult?

[kitkat1 5]

Its encouraging to me to hear others which have become married to their foreign fiancee's tell me that the debts and loans won't matter in the process. Thankyou. Can anyone give me some more specific information about a situation similar to mine that worked out fine? Did anyone else apply for a fiancee visa with a similar amount of debt and a similar income? How much did you owe? Did they say anything about it? What do you think about my situation, will it be difficult?

Obviously you're concerned - but try to focus on the facts for a second. There is NO situation in which either USCIS, the NVC, the consulate or DHS will question or investigate your personal debt situation. It does NOT come up for discussion.

You have a financial obligation when you bring a fiance from another country. Since many people cannot provide support on their own due to their own financial difficulties, the US government allows co-sponsors. This fact is more proof that your financial situation including your debt, is not of any interest to them.

Really, no need to worry. They do not care. It will not come up.

[featherB 1]

Its encouraging to me to hear others which have become married to their foreign fiancee's tell me that the debts and loans won't matter in the process. Thankyou. Can anyone give me some more specific information about a situation similar to mine that worked out fine? Did anyone else apply for a fiancee visa with a similar amount of debt and a similar income? How much did you owe? Did they say anything about it? What do you think about my situation, will it be difficult?

I think I'm right in saying they won't ever need to know about your debt - you won't need to give any evidence which would show your debt, and they're just interested in your income, and that it meets the requirement of being 125% above the poverty level for your household size. You just need proof of income - they won't be looking into your outgoings at all. So the fact that you owe X amount won't even come up - it's what you have coming in that counts.

[Yodrak 7]

warmthoughts,

Your debts may not matter directly, but your financial and overall life situation may cause you some problems in ways that may not become apparent until they occur. If nothing else, financial problems are a leading cause of divorce.

Your asked your question strictly with regard to immigration, but immigration does not occur in a vacuum. In this case immigration is based on marriage an you will be taking on a financial obligation that you can ill afford and that will not go away in the event of a divorce.

Yodrak

Its encouraging to me to hear others which have become married to their foreign fiancee's tell me that the debts and loans won't matter in the process. Thankyou. Can anyone give me some more specific information about a situation similar to mine that worked out fine? Did anyone else apply for a fiancee visa with a similar amount of debt and a similar income? How much did you owe? Did they say anything about it? What do you think about my situation, will it be difficult?

Edited January 17, 2007 by Yodrak

[jsnearline 2]

When I got married, I had over $10,000 of credit card debt. It did not cause me any problems with the K1 or AOS for my wife. It's now paid off and we have a good balance in our savings.

That said, I agree with Yodrak - financial issues can put a big strain on a marriage and often lead to divorce. I think being open and honest with your fiancee about this is more important than any potential issues you might face with USCIS. I talked to my wife about my situation when we started talking about getting engaged. I didn't want to burden her with my debt and I told her I was willing to wait until it was paid off. She said she would rather come as soon as she could. When she arrived, she knew what she was getting into, so there were no surprises.

[frndly1 1]

Warmthoughts,

Not to sound rude, but a number of people told you that your debt doesnt have an impact on your visa process. We all have some type of debt. You just have to make sure you are above the proverty line as perscribed bu USCIS.

THE GOVERNMENT DOESNT CARE THAT YOU HAVE DEBT FOR THE VISA PROCESS.

If the Gov't cared most of us would not have out love ones with us now.

Its encouraging to me to hear others which have become married to their foreign fiancee's tell me that the debts and loans won't matter in the process. Thankyou. Can anyone give me some more specific information about a situation similar to mine that worked out fine? Did anyone else apply for a fiancee visa with a similar amount of debt and a similar income? How much did you owe? Did they say anything about it? What do you think about my situation, will it be difficult?

Edited January 18, 2007 by frndly1

[trlittle 0]

Your creditors may give you a 1099 for forgiveness of debt if they write off your credit card bills. On the plus side that would make your income go up. On the down side $40,000 of extra income would leave you with a BIG tax bill. I don't know if tax debt would be an issue but I would suspect that it may.

[rebeccajo 14]

Your creditors may give you a 1099 for forgiveness of debt if they write off your credit card bills. On the plus side that would make your income go up. On the down side $40,000 of extra income would leave you with a BIG tax bill. I don't know if tax debt would be an issue but I would suspect that it may.

[garya505 2]

If some of your debt is unpaid child support exceeding $5000 you may not be able to get a passport and if you have one they can revoke it.