I am house wife do not work so no joint account no joint utility bills no joint property deed

[Chicago resident 0]

Hello I am a house wife residing in Chicago with me husband. I submitted i751 form on 7th July 2018. Really worried about my case as I don't have joint account joint utility bills and joint property deed with my husband 

[Cryssiekins 976]

How do you pay for groceries, or clothing, or anything you happen to want to

purchase while your husband is at work?  What happens if there was an emergency, you have no access to shared funds,  even a joint credit card?

 

If your husband owns the house, he can put you on the deed?

 

Honestly, you will need some sort of financial co-mingling.  It is not normal for one partner to be completely dependent on the other.

[aaron2020 11,651]

What do you have that shows you share a shared home and shared finances? 

[aleful 1,905]

hi

 

exactly, just because you are a housewife doesn't mean anything. your husband can add you to any account, you don't have to work to have a joint bank account, or health insurance, or credit cards in both names

 

 

[Sukie 1,439]

11 hours ago, Chicago resident said:

Hello I am a house wife residing in Chicago with me husband. I submitted i751 form on 7th July 2018. Really worried about my case as I don't have joint account joint utility bills and joint property deed with my husband 

MANY utilities will only list one name on the bill.  And lots of us do not have joint property deeds with our spouses because we owned the houses before we MET our spouses.  You do not have to have EVERY piece of evidence on the list - just enough for the officer to ascertain that you live together and do life together.

 

If you have other co-mingling data, then not having a joint deed will not be an issue.

 

Sukie in NY

[Ash.1101 1,755]

A good question is:


What did you send as proof of your ongoing marriage?

Edited March 25, 2019 by Ash.1101

[sharin 41]

13 hours ago, Chicago resident said:

Hello I am a house wife residing in Chicago with me husband. I submitted i751 form on 7th July 2018. Really worried about my case as I don't have joint account joint utility bills and joint property deed with my husband 

1. Open new Joint checking account and start paying major bills from it OR ask your husband to add you on existing account which is used for paying atleast Rent / mortgage

2. Ask your husband to add you on credit cards as Authorized User (you can submit front and back of credit card)

3. Transfer one of Utility Bills to your name

4. Health / Auto Insurance showing both names (you and husband)

5. Life Insurance showing each other as Beneficiary

6. If your husband owns property, ask him to add you as Beneficiary incase of death (he can always change this after Green Card is approved).

[geowrian 22,335]

Instead of focusing on what you don't have, focus on what you do have. What items do you have?

Edited March 25, 2019 by geowrian

[aaron2020 11,651]

2 hours ago, sharin said:

1. Open new Joint checking account and start paying major bills from it OR ask your husband to add you on existing account which is used for paying atleast Rent / mortgage

2. Ask your husband to add you on credit cards as Authorized User (you can submit front and back of credit card)

3. Transfer one of Utility Bills to your name

4. Health / Auto Insurance showing both names (you and husband)

5. Life Insurance showing each other as Beneficiary

6. If your husband owns property, ask him to add you as Beneficiary incase of death (he can always change this after Green Card is approved).

The I-751 was filed in July 2018.  It's too late to start with new evidence at this point.  Sure looks suspicious that after almost years of marriage, they suddenly start commingling finances after a year of filing for ROC.  Not gonna work.  There is no history of commingling.  This is stuff that would have worked if done at the beginning of their marriage; not after the I-751 has already been submitted for 9-10 months.  

[sharin 41]

2 minutes ago, aaron2020 said:

The I-751 was filed in July 2018.  It's too late to start with new evidence at this point.  Sure looks suspicious that after almost years of marriage, they suddenly start commingling finances after a year of filing for ROC.  Not gonna work.  There is no history of commingling.  This is stuff that would have worked if done at the beginning of their marriage; not after the I-751 has already been submitted for 9-10 months.  

Never too late to start, incase she gets RFE  - she has some evidences ready to go. It'll work for sure! ROC take 11+ month - she still has like 3-4 months remaining.

[carmel34 3,529]

OP, did you submit anything showing that you live at the same address?  Copies of both your driver's licenses?  Mail received at the same address?  USCIS will be looking for evidence that you live together.  What about health insurance? 

[Jeanne Adil 1,651]

It is the norm in the US to have joint accounts after getting married (even though some also keep a private savings, etc)

a quick claim deed can be added to put your name on the deed in Illinois although it is not a community property state meaning the assests before your marriage are his 

https://eforms.com/deeds/il/illinois-quit-claim-deed-form/

you can not be added to the mortgage (with most lenders) without doing a refinance (costly)

at the least he should add you to bank account

you should be on his medical insurance

and have driver's license with his address

[sharin 41]

37 minutes ago, adil-rafa said:

It is the norm in the US to have joint accounts after getting married (even though some also keep a private savings, etc)

a quick claim deed can be added to put your name on the deed in Illinois although it is not a community property state meaning the assests before your marriage are his 

https://eforms.com/deeds/il/illinois-quit-claim-deed-form/

you can not be added to the mortgage (with most lenders) without doing a refinance (costly)

at the least he should add you to bank account

you should be on his medical insurance

and have driver's license with his address

Actually it is pretty normal to have separate account, I added my spouse just to gather evidence which we're using for paying bills / rent etc since we got married. But we've multiple checking / saving accounts which are still separate. 

 

Also, it is normal to file separate taxes as married whichever gets your better tax savings specially if both spouse are self employed or own separate businesses. 

Plus, I have seen cases where couple don't reside together (maybe in different state doe to job) - that time it makes harder to merge finances too. 

Edited March 25, 2019 by sharin

[aaron2020 11,651]

It is normal to have separate accounts.  However, most couples are not in the position of having to prove a bona fide marriage for ROC.  Immigration to the US requires PLANNING AHEAD.

 

Anyone with a conditional green card should be concern with ROC and providing evidence of a bona fide marriage.  That couple should get as many things as possible to show a life together.  24 months of joint bills.  24 months of joint accounts. 

 

Everything should be planned ahead of time.  Once you go through the immigration process to get a conditional green card as a new spouse, you shouldn't be naive to the requirements of the I-751.

[Ash.1101 1,755]

Honestly I've yet to meet a couple that has had ONLY separate accounts. At the minimum, there's a joint account involved for shared resources per se, not necessarily for just bills but things for they may do together or as a family, and then separate accounts for their own money that they earn at their own respective jobs.

But yes, at the end of the day for immigration, immigration considers joint accounts as the normal, and if you go from K-1 to AOS to ROC you def have had time to know what they're looking for.

I've seen people blatantly refuse to get a joint account, I believe they were approved because they stated at the interview that that's how they do their finances and it works in their relationship, so it's not a make or break, it's just you need a good chunk of good proof to be able to offset not having a joint account.

Edited March 25, 2019 by Ash.1101