ROC evdience

[Pennycat 880]

Hi all, we're still a ways away but I was reading that other thread with the RFE for not having a will (!!) and started to get a bit worried about our process.

 

My specific concerns are: I have a life insurance policy through work, which is set 80% to my husband and 20% to my parents. This is because my parents fully paid for my private college and graduate school and my living expenses during both time periods AND they're stuck still footing the bill for my sister who is in her 30s and who has a school aged daughter. They aren't hurting for money (still, after all this) but I think that in the event of my untimely death, giving them a sort of last thank you is just.... what I want. In reality, I will probably outlive my parents so it's all a moot point. So, does this look strange? Would it be better to approach this from the will side of things? 

 

As for a will: I do not have one. I probably should, and always meant to get on that. But we're over a year married (he's had his green card 6 months now), and the other thread made it sound like all the evidence should be from the duration of the marriage.

 

As for duration of marriage: bank accounts. Woops. So we opened a joint account when he first moved here. It wasn't the "main" account that got my direct deposits and stuff but it was there so I could transfer money to him easily. I still had a joint account with my mother (see above) and we needed her in the room to add him as another joint account holder and she lives in a different state so it was just easier to have a new joint account to send his spending money to. Then, in September, we opened our new joint account at the credit union at my work and since then, that has been the main family account. But it was opened almost a year after he arrived, 9 months after we were married, and that first joint account is now long closed. 

 

On the positive side, we have a note from my landlord adding him as a tenant (it's not overly formal because she's not overly formal). Just states that she's aware that XYZ has begun tenancy at 123 ABC Street beginning October 2016 and all other terms of the lease still apply. I have zero clue where my copy of the original lease is. Would they want that or is the note sufficient? She'd be able to sign an affidavit if necessary. She's around the house ALL the time and my husband fixes a lot of things for her.

 

We've been on the same phone plan since he moved, I believe that he's on the cable/internet, he's on the renter's insurance. I think I keep forgetting to add him to the electric.  Those are the only bills we have. We don't own a car so no car loan/title/insurance/ he doesn't even have a licence (we're city folk, we simply don't drive) to show his address. We have a personal loan that we took out for medical expenses/debt consolidation. Oh, he's on my health insurance plan through work and has a debit card for our health savings account.

 

He's an authorized user on one of my credit cards. I have several others (travel points! I don't carry a balance after learning my lesson-- see: personal loan) but he doesn't want to be on those because he's obsessive about his credit score and no amount of explaining how having access to more credit that you don't use is a good thing. I don't use this card, ever. I had it years ago from when I was young and dumb and DID carry a balance and this had a 0% balance transfer thing. I added him as an authorized user because this company reports to credit bureaus for  authorized users (not all do), so basically that gave him overnight a 3 year on time payment history and a $0 balance on a five-figure limit. His credit score shot up 125 points literally overnight with that.

 

Beyond the normal photos together (which we haven't really been doing much recently because we haven't been doing much except cooking at home and playing video games/tv because winter plus strict budget), we've got... I don't know. Affadavits? We just bought a ticket for his brother to come visit us. Um.. that's about it. We've got about a year until we start to gather this stuff (right?). So, I guess more photos, try to see if I can get proof of that first joint account and, what? Kick my parents off my life insurance? Make a will? See if the landlord will get more formal for us (she won't)?

[Lemon23 400]

@CatherineA I think it would be best, if you list down here in bullets the evidences that you have so that we can see what do you have and suggest what can you add on the list.

Edited May 3, 2017 by Lemon23

[Pennycat 880]

45 minutes ago, Lemon23 said:

@CatherineA I think it would be best, if you list down here in bullets the evidences that you have so that we can what do you have and suggest what can you add on the list.

 

Good point, sorry. This started out as a question about my bank account and went from there.

 

We have:

1. Note from landlord adding him as a tenant. He's not on the original lease, because she just didn't write a new one. Only "I acknowledge that Husband will begin tenancy in October 2015 at This Address, all other terms of the original lease stand". Enough?
2. He's on cable/internet bill
3. We filed married filing jointly in 2015 and 2016. 
4. He's on the renter's insurance
5. He's on joint phone plan and bill
6. We have a joint personal loan
7. We have a joint bank account (but this account wasn't started until he was here for almost a year so not "duration of marriage")
8. He's on my health insurance and has his own debit card for our Health Savings Account
9. He's an authorized user on one of my credit cards, which neither of us use (we did it for credit score issues). We don't have any joint credit cards (is that even a thing?) and he doesn't want to be an authorized user on others because he's worried about his credit score.
10. He gets a ton of Amazon Prime deliveries at our shared address
11. Affidavits from friends?

 

I'm concerned about:

1. He's not on the electric bill and it's been 1.5 years since he's been here
2. We had a joint account when he first got here. It was not the "main family account" and it has since been closed (but we have a new one that is the main family account), not sure I can show proof of it.
3. The "main family account" was actually a joint account with my mother. Nothing weird here, just it was my main account, it has been joint with my mother since I was a kid and needed an adult to sign with me. I kept her on it because she and my father were financially supporting me for a good bit of my early adulthood and it was easier to transfer funds this way. I didn't/couldn't add him because adding him needed her signature and she lives in a different state. We changed all of this after he'd been living here about 10 months and started working. We've had our own joint account into which both our paychecks are direct deposited and from which all bills are paid. I'm worried about the first 10 months.
4. Our tax return from 2015 went to the joint account with my mom (as it was the main functional account at the time)
5. I don't have a will
6. My life insurance is set to split 80/20 between him and my parents
7. We've been slacking off in the photo-taking department together
8. We don't own a car at all so no loan/insurance/title sharing.
9. He doesn't have a driver's licence so no "proof of address"

[Lemon23 400]

@CatherineA  I'm a little confuse on your profile are you filing for AOS or ROC?

[Pennycat 880]

10 minutes ago, Lemon23 said:

@CatherineA  I'm a little confuse on your profile are you filing for AOS or ROC?

I have no idea why it still says AOS pending, my timeline is up to date and shows green card received 11/18. We are AOS achieved November 2016, and are about a year out from starting to gather evidence for our ROC. I'm looking ahead of the game because I read through a recent thread on here about someone getting an RFE for ROC because they don't have a will, which we do not have either. Other commenters mentioned that only the last 12 months of a joint bank account (evidence that OP had submitted) aren't sufficient and that got me thinking about our own no-will-having- no-proof-of-joint bank for the first year of marriage situation. 

 

I started my own thread because you're not supposed to hijack other people's threads, but 100% of my concern relates to things I read here.

Edited May 3, 2017 by CatherineA

[Lemon23 400]

@CatherineA

 

We have:

1. Note from landlord adding him as a tenant. He's not on the original lease, because she just didn't write a new one. Only "I acknowledge that Husband will begin tenancy in October 2015 at This Address, all other terms of the original lease stand". Enough? - This is enough as long as the landlord noted what year and month he moved in to your place
2. He's on cable/internet bill - OK
3. We filed married filing jointly in 2015 and 2016. - OK get IRS transcript, you can request that onliine from IRS website and have it delivered to your mailing address
4. He's on the renter's insurance - OK
5. He's on joint phone plan and bill - OK print all the statements from day one to present
6. We have a joint personal loan - OK - print all the statements from day one to present
7. We have a joint bank account (but this account wasn't started until he was here for almost a year so not "duration of marriage") - This is helpful, print all the statement since day one to present, immigration want to see if marriage is still on going since day one to present and if you both share the expenses.
8. He's on my health insurance and has his own debit card for our Health Savings Account - OK print the Health insurance month and year coverage since day one to present
9. He's an authorized user on one of my credit cards, which neither of us use (we did it for credit score issues). We don't have any joint credit cards (is that even a thing?) and he doesn't want to be an authorized user on others because he's worried about his credit score. - Does his name show up on the billing statements? If yes then printe the statemenst since day one to present
10. He gets a ton of Amazon Prime deliveries at our shared address - OK, print out all the delivery receipt 
11. Affidavits from friends? - They said this is not important but for me it crucial since this is one of the requirements that was listed on the instructions of i-751

 

I'm concerned about:

1. He's not on the electric bill and it's been 1.5 years since he's been here - It's fine
2. We had a joint account when he first got here. It was not the "main family account" and it has since been closed (but we have a new one that is the main family account), not sure I can show proof of it.
3. The "main family account" was actually a joint account with my mother. Nothing weird here, just it was my main account, it has been joint with my mother since I was a kid and needed an adult to sign with me. I kept her on it because she and my father were financially supporting me for a good bit of my early adulthood and it was easier to transfer funds this way. I didn't/couldn't add him because adding him needed her signature and she lives in a different state. We changed all of this after he'd been living here about 10 months and started working. We've had our own joint account into which both our paychecks are direct deposited and from which all bills are paid. I'm worried about the first 10 months. - Show any proof of this it will help 
4. Our tax return from 2015 went to the joint account with my mom (as it was the main functional account at the time) - if you can show the statement for the tax return that was credited to the account then its better
5. I don't have a will - Dont stress out on this, "will" is case to case basis some, applicant did not required this but they got approved. 
6. My life insurance is set to split 80/20 between him and my parents - print out the life insurance that show's his name and make a letter and explain why you give your spouse 20 percent of share
7. We've been slacking off in the photo-taking department together - photo is not a major requirements its just added bonus
8. We don't own a car at all so no loan/insurance/title sharing. - its fine even us don have car loan and title sharing
9. He doesn't have a driver's licence so no "proof of address" - if both of you have time to get state ID with the same address then its better, but if there's no time anymore then its fine. 

 

Hope this helps and goodluck

Edited May 3, 2017 by Lemon23

[QueenComley 295]

I'm concerned about:

1. He's not on the electric bill and it's been 1.5 years since he's been here - most utility bills will only have one name on the account anyway
2. We had a joint account when he first got here. It was not the "main family account" and it has since been closed (but we have a new one that is the main family account), not sure I can show proof of it. - We never go a joint account until 1 year after we married. I just included a cover letter explaining why
3. The "main family account" was actually a joint account with my mother. Nothing weird here, just it was my main account, it has been joint with my mother since I was a kid and needed an adult to sign with me. I kept her on it because she and my father were financially supporting me for a good bit of my early adulthood and it was easier to transfer funds this way. I didn't/couldn't add him because adding him needed her signature and she lives in a different state. We changed all of this after he'd been living here about 10 months and started working. We've had our own joint account into which both our paychecks are direct deposited and from which all bills are paid. I'm worried about the first 10 months.
4. Our tax return from 2015 went to the joint account with my mom (as it was the main functional account at the time)
5. I don't have a will - Neither do we
6. My life insurance is set to split 80/20 between him and my parents - That's fine - Ours is split between us and my stepchildren / His Bio children 
7. We've been slacking off in the photo-taking department together - Photos are not required or asked for during ROC stage period - they are non applicable
8. We don't own a car at all so no loan/insurance/title sharing. - He doesn't have a driving license so this is understandable
9. He doesn't have a driver's licence so no "proof of address"

We were approved with No RFE.....  You can only submit what you have. For anything that is relevant for ROC and that you do not have,  write a letter explaining why to avoid an RFE