What happens if you’re sponsoring your fiancé or spouse,
and suddenly you lose your job?

Does that mean the visa is automatically denied?

No.

But it can become a serious problem if you don’t deal with it
before the visa interview.

Hi, I’m Fred Wahl, the VisaCoach.

And this is especially important now because financial
circumstances and public-charge concerns are receiving more
attention.

Here’s what you need to know.

Losing Your Job Does Not Automatically Cancel the Petition

First, losing your job does not automatically cancel your
petition.

USCIS doesn’t suddenly revoke an approved fiancé or spouse
petition simply because the American sponsor became unemployed.

But when your fiancé or spouse gets to the visa stage, the
government is going to look at whether there is adequate
financial support.

And that’s where losing your job can matter.

Financial Support

For a Fiance or spouse visa, the American petitioner must
submit an Affidavit of Support.

Normally, your income needs to meet at least 125% of the
Federal Poverty Guidelines for your household size.

And you typically prove your income with your tax return,
pay stubs and employment verification.

But here’s something people sometimes misunderstand.

Your last tax return is only history.

It shows what you earned last year.

It doesn’t necessarily prove what you’re earning today.

What If You Lose Your Job Before the Interview?

Suppose your tax return shows you earned $70,000 last year.

That sounds great.

But two weeks before your partner’s interview, your company
lays you off.

Your current employment income may now be zero.

The consular officer can ask for updated employment information,
recent pay stubs, or other evidence showing your present
financial situation.

So you shouldn’t simply hand them last year’s tax return and
pretend nothing changed.

Instead, you need to solve the financial issue.

Possible Financial Options

Maybe you’ve already found another job.

Maybe qualifying household income can be used.

Maybe you have sufficient qualifying assets.

Or you may need find a joint sponsor who independently meets
the financial requirements.

The Total Financial Picture

And now with the new public charge rules, meeting the income
requirement alone, may not be enough.

In addition to merely income, US immigration now
is looking at the total financial picture,
rather than treating one number on a tax return as the entire
answer.

So think about two very different cases.

In the first case, the sponsor loses a job after ten years
with the same employer, but has substantial savings, little
debt, a strong employment history, and already has interviews
for another well-paying position.

That’s one financial picture.

Now imagine someone who has been unemployed for a long period,
has almost no savings, significant financial obligations,
and no clear source of support for the arriving fiancé or
spouse.

That’s a very different picture.

Job loss alone isn’t necessarily the problem.

The question is:

After that job loss, can you still demonstrate that your
fiancé or spouse will have adequate financial support?

My Advice

If you’ve lost your job while your fiancé or spouse visa is
processing, don’t panic.

But don’t wait until the interview to figure this out either.

Look at your current income.

Look at your assets.

Look at whether another household member’s income can legally
be used.

Determine whether you should arrange a qualified joint sponsor
before the interview.

The important thing is to present the case based on your real
financial circumstances today
not simply what was true when you originally filed the petition.

Losing your job doesn’t automatically end the visa case.

But failing to properly prepare for the financial questions
that job loss creates certainly can cause delays
or potentially a visa refusal.

Get Help With Your Case

If you’re planning a fiancé visa, spouse visa, or
adjustment-of-status application you’re welcome to contact me
for a free introductory consultation.

I’m Fred Wahl, the VisaCoach.

And for more practical information about the financial
requirements for fiancé and spouse immigration, click the
video on your screen.

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immigration guidance and updates.