RFE for I-485, what's wrong?

[Bear11 7]

I told with my accountant and he said my gross income for 2019 looks like around $22K, is this Ok if I’ll sent it to USCIS?

[Bear11 7]

send*

[Nat&Amy 623]

18 minutes ago, Bear11 said:

I told with my accountant and he said my gross income for 2019 looks like around $22K, is this Ok if I’ll sent it to USCIS?

Having already received a RFE showing USCIS was not satisfied with what you provided, you have to go above and beyond now. Showing that your 2019 income barely covers the minimum required is too risky and instead of getting a second RFE you might as well get yourself a denial.

 

Your safest bet is to get a joint sponsor. If that is absolutely impossible, then provide the statements from the account that has the 115k, and provide details of all large transactions. For instance, if you were paid a large sum in one of your projects, attach contracts and invoices that show so. IOs have no obligation to believe that a large amount that suddenly appeared in your account will not disappear just as mysteriously.

 

[Bear11 7]

24 minutes ago, Nat&Amy said:

Having already received a RFE showing USCIS was not satisfied with what you provided, you have to go above and beyond now. Showing that your 2019 income barely covers the minimum required is too risky and instead of getting a second RFE you might as well get yourself a denial.

 

Your safest bet is to get a joint sponsor. If that is absolutely impossible, then provide the statements from the account that has the 115k, and provide details of all large transactions. For instance, if you were paid a large sum in one of your projects, attach contracts and invoices that show so. IOs have no obligation to believe that a large amount that suddenly appeared in your account will not disappear just as mysteriously.

 

Maybe you are  right, but i do not have salary, I’m self employed and my income can be different every year depending of my business experiences, also my money is not owed and account transactions works

[SalishSea 18,125]

9 minutes ago, Bear11 said:

Maybe you are  right, but i do not have salary, I’m self employed and my income can be different every year depending of my business experiences, also my money is not owed and account transactions works

Then is sounds like you need a joint sponsor if you want an approval.

[Duke & Marie 1,389]

7 minutes ago, Bear11 said:

Maybe you are  right, but i do not have salary, I’m self employed and my income can be different every year depending of my business experiences, also my money is not owed and account transactions works

My concern here, is if you’re telling them you’re self-employed they may be thinking the $115k is company related funds and not yours so to speak, eg money’s paid in advance for supplies to undertake works for a customer etc similar to building industry.. 

 

make it very clear to them this is personal cash savings and not contract work related 

[Bear11 7]

14 minutes ago, Duke & Marie said:

My concern here, is if you’re telling them you’re self-employed they may be thinking the $115k is company related funds and not yours so to speak, eg money’s paid in advance for supplies to undertake works for a customer etc similar to building industry.. 

 

make it very clear to them this is personal cash savings and not contract work related 

Why you guys concentrate on $115 ? How if I got in 2016 about $150K and after taxes left on my account $100K, if IRS officer has 0 question to me, why USCIS need to think about it?

[Just Paul 4,595]

7 minutes ago, Bear11 said:

Why you guys concentrate on $115 ? How if I got in 2016 about $150K and after taxes left on my account $100K, if IRS officer has 0 question to me, why USCIS need to think about it?

If you have $100,000 cash balance in a savings or investment account in your sole name for a few years you wont have any issue.   If it is in a checking or business account it won't work.

 

I'm self employed / semi retired / or very lazy . . . On my I-864 my "earnings" income for the the two years before filing the I-864 was 0.  But I had more then $100k sitting in an account at JPMorgan.

 

They want to see that you have liquid assets, that don't fluctuate wildly, someplace.

[Duke & Marie 1,389]

12 minutes ago, Bear11 said:

Why you guys concentrate on $115 ? How if I got in 2016 about $150K and after taxes left on my account $100K, if IRS officer has 0 question to me, why USCIS need to think about it?

Irs are only interested in you paying tax on it as an individual or company.. USCIS want to ensure it’s yours and available for the beneficiary if needed 

[geowrian 22,338]

Date opened and current balance does not indicate the source of the funds.

 

Believe it or not, people borrow money from friends/family, or via a loan, to try to qualify for the I-864. Needing to know that the money is there for a decent period of time, or otherwise can be reasonably explained, is part of the process to weed out people try to do that.

[Just Paul 4,595]

13 minutes ago, geowrian said:

Date opened and current balance does not indicate the source of the funds.

Some post on here I said we took 18 months of statements to the Consulate (DCF). Inch think, double sided and bound.  They still asked for me to come back to explain.   It helped I had other assets like houses, etc.

 

OP:hopefully you have proof going way back . . . for a few years . . .if you are claiming cash.

[Bear11 7]

6 minutes ago, geowrian said:

Date opened and current balance does not indicate the source of the funds.

 

Believe it or not, people borrow money from friends/family, or via a loan, to try to qualify for the I-864. Needing to know that the money is there for a decent period of time, or otherwise can be reasonably explained, is part of the process to weed out people try to do that.

Agree, but you can not submit banking statements more than 12 months, that’s the requirement, but if they see something big deposit during the year then it can be an issue....but IRS transcript must be number one

[geowrian 22,338]

5 minutes ago, Bear11 said:

Agree, but you can not submit banking statements more than 12 months, that’s the requirement, but if they see something big deposit during the year then it can be an issue....but IRS transcript must be number one

You can get a letter with the average balance over the year.

 

IRS transcript says nothing about the source of assets or how long they have been in the account.

[Bear11 7]

42 minutes ago, geowrian said:

You can get a letter with the average balance over the year.

 

IRS transcript says nothing about the source of assets or how long they have been in the account.

What do u think about if I’ll send them IRS Transcript for 2019 with ~$22K and plus 12 months banking statements? 

[geowrian 22,338]

I think that would be a valid submitted for consideration. It at least should meet the minimum requirements for the I-864. No idea on what the IO will decide for the public charge side of things as that is based upon a totality of the circumstances.