RFE confused. SOS help!

[ionianrain 4]

We were on a trip overseas and we just came back home to find out that we have recently received an RFE on our I-751 Petition. Now we have to gather everything in less than a 12 days time...

Let me tell you, that we found out that not only they 've lost critical documents of ours, but on top of that (if not BECAUSE OF THAT) they say we haven't demonstrated... "enough assets and liabilities spanning the period of the marriage".

Besides frustrating it is also very confusing:
* How can we prove our case while the only thing we have ours is just an old car? (don't they know that not all of us are rich or wealthy or even middle class? Don't they understand that there are also low income people out there like us where only one member out of a family of 2, works to provide for the household?

* How can we prove what they ask when we have almost no liabilities in our name?

We have only a rent to pay and we included our Lease Agreement.

What else do they want? Anyone has any idea?

a) The Electric Bill is in my name since I first came in this apartment (and believe it or not there is no way to change names on; it is easier to get an interview from God than to find not someone but just a way to speak to somebody in our Electric Company).

b) Credit cards: we have 3 (two mine, one of my wife who is the applicant). I have a 804 credit score and as you understand I can't afford risking lowering a score I have so hard worked to pin it where it currently is by adding my wife in my credit cards who is a new comer in this country and has no clue how easy can a score be destroyed.

c) My car is paid off and in my name. Can't switch the title as you understand.
Any of you guys and gals, has any ideas how I can justify to the U.S.C.I.S. why my wife's name is not in the a) b) c) you 've just read above?

I 'd kindly appreciate any answers, ideas and comments that can REALLY help; the fastest you can reply the better because like I said, the time frame we have is very short.

Thank you, ALL of you

God bless you all

[F2aSonofLPR 15]

Don't you have any medical insurance on which one party is the beneficiary of the other? What about car insurance policy that has your wife on it? Or medical/ dental bills on the same account, which also shows your wife's address and yours are the same

[dwheels76 5,463]

We were on a trip overseas and we just came back home to find out that we have recently received an RFE on our I-751 Petition. Now we have to gather everything in less than a 12 days time...

Let me tell you, that we found out that not only they 've lost critical documents of ours, but on top of that (if not BECAUSE OF THAT) they say we haven't demonstrated... "enough assets and liabilities spanning the period of the marriage".

Besides frustrating it is also very confusing:

* How can we prove our case while the only thing we have ours is just an old car? (don't they know that not all of us are rich or wealthy or even middle class? Don't they understand that there are also low income people out there like us where only one member out of a family of 2, works to provide for the household?

* How can we prove what they ask when we have almost no liabilities in our name?

We have only a rent to pay and we included our Lease Agreement.

What else do they want? Anyone has any idea?

a) The Electric Bill is in my name since I first came in this apartment (and believe it or not there is no way to change names on; it is easier to get an interview from God than to find not someone but just a way to speak to somebody in our Electric Company).

b) Credit cards: we have 3 (two mine, one of my wife who is the applicant). I have a 804 credit score and as you understand I can't afford risking lowering a score I have so hard worked to pin it where it currently is by adding my wife in my credit cards who is a new comer in this country and has no clue how easy can a score be destroyed.

c) My car is paid off and in my name. Can't switch the title as you understand.

Any of you guys and gals, has any ideas how I can justify to the U.S.C.I.S. why my wife's name is not in the a) b) c) you 've just read above?

I 'd kindly appreciate any answers, ideas and comments that can REALLY help; the fastest you can reply the better because like I said, the time frame we have is very short.

Thank you, ALL of you

God bless you all

Liabilities as in Bills. Bills should have been put in both names the day you were married, bank accounts, life insurance, 401K, Tax returns, emergency contact papers from work (naming call spouse), name change for wife, new SS card with new married name, new voter registration card with new name, drivers license with new name, this is what they mean.

Since you live together you should be cominhgling your finances thats what they mean has nothing to do with weealth. Just changing names on papers and adding one another.

[ionianrain 4]

Don't you have any medical insurance on which one party is the beneficiary of the other? What about car insurance policy that has your wife on it? Or medical/ dental bills on the same account, which also shows your wife's address and yours are the same

My dear friend

Believe it or not, we have included ALL these documents you just mentioned in our initial package escorting the I-751 yet we received the RFE...

Could be that the officer there, was not in the mood? Perhaps...

The what I am wondering now is: how can I explain them the

car that can't have my wife since it 's been bought before we got married

the electric bill that has been in my name so many years and we can't add anyone

my credit cards that i won't risk have my wife on them in order to protect my credit score

Any ideas how we can make them understand why my wife was not added in the above?

Again: thanks and may God bless you and your family for answering our post.

[ionianrain 4]

Liabilities as in Bills. Bills should have been put in both names the day you were married, bank accounts, life insurance, 401K, Tax returns, emergency contact papers from work (naming call spouse), name change for wife, new SS card with new married name, new voter registration card with new name, drivers license with new name, this is what they mean.

Since you live together you should be cominhgling your finances thats what they mean has nothing to do with weealth. Just changing names on papers and adding one another.

tried to change the names in our electric bill. i know you wont believe me but it was impossible to contact any live person there...

credit cards of mine: like i said i couldn't add my wife there risking lowering my credit score.

car: was bought before my wife's arrival

all the rest have her name on.

imagine that although my wife had been added to my bank account BEFORE we even got married they claimed that it was not enough to prove that we have continuously shared a life together...

I have started looking how I can appeal a possible second rejection in front of a judge and provide him with all the evidence we have gathered...

Thanks for answering and God bless

[Harpa Timsah 13,258]

Do you have a joint bank account? Did you include quarterly statements of that account?

USCIS wants to see that you trust each other with money because someone doing fraud probably would not trust the other person with their money. But you say you don't trust your wife because she will ruin your credit score. Seems odd to me. Why don't you teach her about credit?

Edited October 25, 2013 by Harpa Timsah

[Pitaya 2,576]

~Moved from K-1 Process to Removing Conditions on Residency (ROC) Forum~

~Inquiry is about ROC Process, way past K-1~

[ionianrain 4]

Do you have a joint bank account? Did you include quarterly statements of that account?

USCIS wants to see that you trust each other with money because someone doing fraud probably would not trust the other person with their money. But you say you don't trust your wife because she will ruin your credit score. Seems odd to me. Why don't you teach her about credit?

Yes we have a joint account.

We have sent them our statements not on quarterly but on DAILY basis (some 200 pages) since day 1 of the account.

My wife has been added in it while we were not even married yet... If that doesn't show trust to the USCIS's eyes then what does...

Couldn't add her in my card because as you probably know, one missed payment is enough to destroy a 10 years work to bring my score and keep it above 800. So it is not a matter of trust like I said.

If they cant see that she was added in the bank account, back while we were fiancees, then what can I say...

Thanks again for helping us.

God bless you and your family

[ryna 132]

Liabilities as in Bills. Bills should have been put in both names the day you were married, bank accounts, life insurance, 401K, Tax returns, emergency contact papers from work (naming call spouse), name change for wife, new SS card with new married name, new voter registration card with new name, drivers license with new name, this is what they mean.

Since you live together you should be cominhgling your finances thats what they mean has nothing to do with weealth. Just changing names on papers and adding one another.

"Bills should have been put in both names the day you were married"

Frankly, this is NONE of USCIS' business telling people how they have to structure their finances. Some bills don't allow joint account holders. USCIS can't make anyone switch an existing account over to the name of someone who has no credit history and would require a substantial deposit to open a "new" account to replace a perfectly good existing one (that is in only one name).

Millions of USC/USC married couples join some accounts/assets and leave other, pre-marital accounts and assets in one name or the other for financial reasons - credit scores, interest rates, changing the would cost more than leaving them as is with rights to inheritance. I was just speaking to a friend who is 1/2 of a USC/USC couple and who married shortly before my wife and I did. They maintain two residences - one in the U.S. and one abroad (for his work). She spends a significant amount of time in the U.S. residence while he almost always stays outside the U.S. Can the Federal government tell them how to structure property holdings, utilities, other liabilities, assets and accounts? NO! And, USC/immigrant couples don't surrender their right to manage their own finances either.

BTW - a voter registration card for an LPR in any name is a good way to get themselves deported.

Do you have a joint bank account? Did you include quarterly statements of that account?

USCIS wants to see that you trust each other with money because someone doing fraud probably would not trust the other person with their money. But you say you don't trust your wife because she will ruin your credit score. Seems odd to me. Why don't you teach her about credit?

Tell it to the banks... I tried to add my wife as a JOINT account holder to my existing credit card accounts (with well over $100K limits, $0 balances.) I trust her 100%, you see. BUT THE BANKS DON'T!! I was told, since she had a limited credit history and no income and because, in our state, she could not claim my income on the application that, if she were added, my long-existing credit limits based upon my long-existing (20+ year) credit history with them would be subject to downgrade. That would have been bad for BOTH of us. No, thank you!!

We opened a couple new joint accounts but they are piddly little nothing accounts that we don't use because my existing ones offer better terms.

Ionianrain - I wish you the best, my friend. This is my biggest fear because some things - like our house I bought in 2000 and the 15 y/o car that I drive and isn't worth changing the title - were left in my name because I had them before we met (although they are both 100% hers if anything were to happen to me, even without putting it in writing because of our marriage) and it would be financially disastrous to re-title them at higher interest rates (the house, that is. The car is long since paid off.) USCIS can't make anyone take a financial loss to "prove" they're a real couple.

Edited October 25, 2013 by ryna

[dwheels76 5,463]

"Bills should have been put in both names the day you were married"

Frankly, this is NONE of USCIS' business telling people how they have to structure their finances. Some bills don't allow joint account holders. USCIS can't make anyone switch an existing account over to the name of someone who has no credit history and would require a substantial deposit to open a "new" account to replace a perfectly good existing one (that is in only one name).

Millions of USC/USC married couples join some accounts/assets and leave other, pre-marital accounts and assets in one name or the other for financial reasons - credit scores, interest rates, changing the would cost more than leaving them as is with rights to inheritance. I was just speaking to a friend who is 1/2 of a USC/USC couple and who married shortly before my wife and I did. They maintain two residences - one in the U.S. and one abroad (for his work). She spends a significant amount of time in the U.S. residence while he almost always stays outside the U.S. Can the Federal government tell them how to structure property holdings, utilities, other liabilities, assets and accounts? NO! And, USC/immigrant couples don't surrender their right to manage their own finances either.

BTW - a voter registration card for an LPR in any name is a good way to get themselves deported.

Good grief dear. Why u all over me. You the one with the RFE and u are scolding me like I did something to you. Dang.

By the way I was suggesting the voter card to the US citizen if they were the woman and changed name another way to show change of name.

All I did was merely suggest what others have posted many times. So sorry io offended u so.

[ryna 132]

Good grief dear. Why u all over me. You the one with the RFE and u are scolding me like I did something to you. Dang.

By the way I was suggesting the voter card to the US citizen if they were the woman and changed name another way to show change of name.

All I did was merely suggest what others have posted many times. So sorry io offended u so.

I'm really sorry. I certainly wasn't trying to direct anything at you.

We don't have an RFE, but I am getting frustrated seeing USCIS asking for things that they have no right to require people to do. I was raised in a world where how a couple managed their married life and their finances was between the husband and the wife and no one else, least of all the government - and those things are private. The fact the all my friends are USCs and no one else that I know has ever been asked to prove their relationship to the government makes me feel like I'm being held to a different standard, one with less freedom and privacy than I am used to having.

[F2aSonofLPR 15]

My dear friend

Believe it or not, we have included ALL these documents you just mentioned in our initial package escorting the I-751 yet we received the RFE...

Could be that the officer there, was not in the mood? Perhaps...

The what I am wondering now is: how can I explain them the

car that can't have my wife since it 's been bought before we got married

the electric bill that has been in my name so many years and we can't add anyone

my credit cards that i won't risk have my wife on them in order to protect my credit score

Any ideas how we can make them understand why my wife was not added in the above?

Again: thanks and may God bless you and your family for answering our post.

You said, you have less than12 days to gather everything but as you stated you have sent everything on your I-751 so there's nothing more to send. Have to thinking of calling and try to speak to a supervisor and explain what you've just said?

While waiting for your ROC interview, try to call again your electric company, tell them that, for immigration purpose, you need to have your wife's name added in the bill (because that's what we did). During my ROC we did not have joint bank account but I told the officer when we were interviewed that, my spouse has tax lien and we need to have separate bank account to survive.

[ionianrain 4]

You said, you have less than12 days to gather everything but as you stated you have sent everything on your I-751 so there's nothing more to send. Have to thinking of calling and try to speak to a supervisor and explain what you've just said?

While waiting for your ROC interview, try to call again your electric company, tell them that, for immigration purpose, you need to have your wife's name added in the bill (because that's what we did). During my ROC we did not have joint bank account but I told the officer when we were interviewed that, my spouse has tax lien and we need to have separate bank account to survive.

We did call the uscis. Representative was reading from a script. At a point she asked me the same question 3 times...

Asked to talk to a supervisor. As if you were talking to a wall. They even told me that in reality it depends to the Examining Officer who examines our papers how he sees our marriage "one officer might believe you are not married in good faith while another will...".

There was no way to contact anyone in our electric company, despite our efforts and I am saying the truth here, believe me.

Like I said on a previous post, if after re-sending my proofs, we don't get our approval, I will ask to present ourselves in front of an immigration court, if needed.

I 've had enough with this people that think they can play with other people's lives...

[Harpa Timsah 13,258]

You posted in August that you got a RFE for ROC. Now you come on today and say you get a RFE? Is it another RFE?

http://www.visajourney.com/forums/topic/451664-rfe-for-i-751-help-what-more-can-we-do/

Edited October 26, 2013 by Harpa Timsah

[cdneh 3,112]

You posted in August that you got a RFE for ROC. Now you come on today and say you get a RFE? Is it another RFE?

http://www.visajourney.com/forums/topic/451664-rfe-for-i-751-help-what-more-can-we-do/

And now the OP says USCIS has lost his documents, and wants to sue them? He's just got home to find he has an RFE, has responded to it, and they've been lost? Colour me confused.

http://www.visajourney.com/forums/topic/462237-rfe-loss-of-documents;-can-one-sue-the-uscis/#entry6608131