Evidence question

[jorriv14 0]

Hey there,

 

We are in the process of submitting our i751. I just had a quick question. I know they ask for bank statements etc. My question is that I also have a personal account which I haven't closed and had to keep using because Wells Fargo charges fees if I don't use it. So basicsñly my wife pays rent from the joint account , but I pay most of the other bills from my personal checkings. Is this a big issue or what is the best way to show that even tho we have a joint account etc we still coming mingle are finances? Most bills are under my name as well. Thoughts/help? 

 

Thanks

[hannahj_11 19]

Hi,

 

We just sent our -751 folder, we have joint bank account and we pay rent and car payment with it. We keep transfering the money to it from our personal checking accounts.

We sent bank statments for each account for the last 4 months and also bills statments showing jointly address and  each of us is responsible for paying bills.

 

I hope it makes sense to you!

Edited February 3, 2019 by hannahj_11

[dilip 187]

Co-mingling finance means not just joint checking account:  you need:

[1] 40IK beneficiary to each other

[2] Joint credit card

[3] Joint lease or house together

[4] Joint tax returns

[5]   Car insurance, health insurance both name

[6] Any other joint property.

[7] Beneficiary to life insurance, mutual funds etc

[8] Power of attorney 

[9] Property tax, home own insurance in both name

[jorriv14 0]

1 hour ago, dilip said:

Co-mingling finance means not just joint checking account:  you need:

[1] 40IK beneficiary to each other

[2] Joint credit card

[3] Joint lease or house together

[4] Joint tax returns

[5]   Car insurance, health insurance both name

[6] Any other joint property.

[7] Beneficiary to life insurance, mutual funds etc

[8] Power of attorney 

[9] Property tax, home own insurance in both name

Okay this is an awesome thing to see. I just didn't know if it's going to be weird when they see the banks statements and don't see bills coming out of that account. Or bills with both our names. Otherwise I have a lot of other things such beneficiary on each other's 401ks, she's on my vision, health insurance, I'm on her dental plan, joint lease, car insurance, car loan, taxes and child birth certifice.

 

Maybe I can show medical bills I paid under her name with the personal account? 

 

Thanks for the great info.

[Sukie 1,439]

7 hours ago, dilip said:

Co-mingling finance means not just joint checking account:  you need:

[1] 40IK beneficiary to each other

[2] Joint credit card

[3] Joint lease or house together

[4] Joint tax returns

[5]   Car insurance, health insurance both name

[6] Any other joint property.

[7] Beneficiary to life insurance, mutual funds etc

[8] Power of attorney 

[9] Property tax, home own insurance in both name

Just to be clear - this list is a "good to have" list - but NONE of these is mandatory.  The idea is that you build your "story" of being together - and you send in documents that prove that story.

 

You can still remove conditions without items on this list.  But it IS a good list!

 

Sukie in NY

[NikV 44]

15 hours ago, Sukie said:

Just to be clear - this list is a "good to have" list - but NONE of these is mandatory.  The idea is that you build your "story" of being together - and you send in documents that prove that story.

 

You can still remove conditions without items on this list.  But it IS a good list!

 

Sukie in NY

Exactly. I sent a small list of solid items. You do not need to send a massive document catalog. Think of Quality over Quantity.

[jorriv14 0]

16 hours ago, Sukie said:

Just to be clear - this list is a "good to have" list - but NONE of these is mandatory.  The idea is that you build your "story" of being together - and you send in documents that prove that story.

 

You can still remove conditions without items on this list.  But it IS a good list!

 

Sukie in NY

Oh yeah for sure I get that! I was just kind of wondering or looking for advice on how to show this part of "co-mingling" finances, since most of the bills get paid out of personal account and most are under my name. Like I said we are both named on the lease and are both on a joint car loan together( among other things). It's just that transactions from our joint account won't really reflect much of the bills being paid. 

[jorriv14 0]

34 minutes ago, NikV said:

Exactly. I sent a small list of solid items. You do not need to send a massive document catalog. Think of Quality over Quantity.

I feel like I have a good amount of quality things, but was just a little concerned about the joint bank account statements after reading threads haha. 

[NikV 44]

26 minutes ago, jorriv14 said:

I feel like I have a good amount of quality things, but was just a little concerned about the joint bank account statements after reading threads haha. 

I only sent 3 statements for one joint bank account. spread few months apart. You do not need to send 3 years worth of bank statements.