How crucial is it not to have financial commingling when applying for ROC alone?

[TonyMichael 3]

I want to know if it is a big red flag not to have a joint bank account when you apply for ROC alone (due to a divorce).

 

I am planning to divorce my husband because of infidelity, but I am still on conditional GC. I want to divorce him, and apply for ROC by myself. 

We have a very different way of spending money, where I save every penny and have some saving, whereas he overspends to the point that he asks me for money. He spends money on alcohol and legal drugs, which I am not happy about. So we have never commingled our finances, and I spend my own money, and he spends his (also he tries to beg me for money when he is short). We have a joint checking account, but we rarely use it. Mainly I deposit money in it, and he uses it.

 

Is this a big red flag upon ROC? Can I still prove that our marriage is real? 

I have other evidence such as: 

1) Lease with both of our names together (although we separated for half a year when I found out about his cheating on me) 

2) My car insurance covering both him and me

3) My health insurance through my employer with him as the beneficiary 

4) My dental/vision insurance through my employer with him as the beneficiary 

5) My life insurance through my employer with him as the beneficiary 100%

6) Photos of us from multiple occasions (even when we were separated, we met from time to time)

7) Texts every day

8 ) Photos of us and his family together on special occasions

9) Join Tax return for 2017 and 2018. (We are planning to file jointly again for 2019, before the divorce occurs if that helps)

10) I can get a affidavit from my best friend who knows both of us really well, proving that our marriage is real.

11) Bills/Mails sent to our address.

 

Is this enough, to cover the lacking of having a joint bank account?  What else can we provide? 

[azblk 338]

On 12/24/2019 at 7:25 PM, TonyMichael said:

I want to know if it is a big red flag not to have a joint bank account when you apply for ROC alone (due to a divorce).

 

I am planning to divorce my husband because of infidelity, but I am still on conditional GC. I want to divorce him, and apply for ROC by myself. 

We have a very different way of spending money, where I save every penny and have some saving, whereas he overspends to the point that he asks me for money. He spends money on alcohol and legal drugs, which I am not happy about. So we have never commingled our finances, and I spend my own money, and he spends his (also he tries to beg me for money when he is short). We have a joint checking account, but we rarely use it. Mainly I deposit money in it, and he uses it.

 

Is this a big red flag upon ROC? Can I still prove that our marriage is real? 

I have other evidence such as: 

1) Lease with both of our names together (although we separated for half a year when I found out about his cheating on me) 

2) My car insurance covering both him and me

3) My health insurance through my employer with him as the beneficiary 

4) My dental/vision insurance through my employer with him as the beneficiary 

5) My life insurance through my employer with him as the beneficiary 100%

6) Photos of us from multiple occasions (even when we were separated, we met from time to time)

7) Texts every day

8 ) Photos of us and his family together on special occasions

9) Join Tax return for 2017 and 2018. (We are planning to file jointly again for 2019, before the divorce occurs if that helps)

10) I can get a affidavit from my best friend who knows both of us really well, proving that our marriage is real.

11) Bills/Mails sent to our address.

 

Is this enough, to cover the lacking of having a joint bank account?  What else can we provide? 

There is NO requirement that you have co-mingled finances or joint bank accounts. What you have listed should be enough. People has succeeded with a lot less than you have. Good Luck

[Ontarkie 14,231]

There are many couples who keep separate bank account. One spouse not being great with money is a very good reason to keep things separate. If asked just explain as you have here. 

[TonyMichael 3]

Is the interview alone due to a divorce much harder than going to the interview as a married couple?

 

I know that even married couples have to submit lots of proof of bona fide marriage to pass ROC, but does a divorced person going alone have a much higher rate of failure?

[NikLR 13,227]

On 12/27/2019 at 4:34 PM, TonyMichael said:

Is the interview alone due to a divorce much harder than going to the interview as a married couple?

 

I know that even married couples have to submit lots of proof of bona fide marriage to pass ROC, but does a divorced person going alone have a much higher rate of failure?

If anything it's easier.  You just have to show you entered the marriage in good faith.