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How to best represent financial situation? Spousal sponsorship, please help! :)

poeticaesthetic

Star Member
Apr 22, 2013
106
2
Hi all! My husband and I are just finishing up our application for spousal sponsorship (I am a Canadian citizen sponsoring my husband, a US citizen, for PR). We are applying outland, but he is living with me in Canada. I have a few questions regarding our finances; I’m aware that for spousal sponsorship there is no minimum income requirement, but I want to make sure we represent our financial situation in the best way possible—especially mine (since I am sponsoring him). But first I want to give some background info. My apologies in advance if this post is long; I want to be very clear, and I may or may not want to relay similar information to CIC—so please let me know if you think any of it is good to mention! So, background:

As it stands, both our parents are helping to support us financially until we find work/get a business going. I am unemployed/self-employed. My work history from the past few years is spotty, largely because I’ve moved around a lot and gone through a lot of changes after completing my master’s degree. I attended six years of post-grad education (all attended in the US) and now have two degrees (English and Creative Writing/Publishing, master’s degree completed in 2010). I was Managing Editor for my university's literary journal during this time. I still technically run my own literary press, though it’s largely inactive (I still sell the book occasionally, but mostly for fun). I had one short-term contract job after graduating, back in 2011, for six months, working as a writer for an internet startup based out of San Francisco. After my contract job ended I was dealing with a lot of depression/anxiety, and seeing a psychologist, and struggling to find fulfilling work as a writer in the US so that I could apply for a work visa (at the time I was still in a relationship with someone else, so I was trying to stay in the US). In the end I decided I wanted to move back to Canada, and my relationship ended. In May 2012 I moved back to Canada to stay with my aunt and uncle in the Vancouver area (Mission), then moved into my own place a few months later in the nearest city (Maple Ridge). I was having a lot of contact with T (old friend, now my husband) at the time since I moved back. I visited him, then he came to Canada in November 2012, and we were married in January 2013. A few months later we moved to Vancouver, thinking it would be better for both of us career-wise, despite him not working yet—we did make a lot more contacts, but we’ve had trouble finding our niche here, and are currently in the process of moving to a smaller, more arts-centered community. I have been going through a lot of soul-searching with regards to my career path and life, while self-managing my moods. T and I are creating a business together (though not currently making money, as we’re still in the planning stages—it is, of course, illegal for him to be doing that yet anyway). We are both artists, I am a writer and he is a musician, and we are both interested in spirituality and practice various healing arts. In all the time I was unemployed I was also doing a ton of independent study with regards to my interests/online business. I have written, created, and researched pretty much nonstop in the direction of my goals. T, on the other hand, never completed college, and was traveling a lot for years in the US in between working a few jobs, and making a lot of art/DJing. His last official job was at a bakery in 2012, a few months before he came to Canada. He has not been DJing since he came to Canada, and has little interest in it these days, but he has started making wire-wrapped crystal jewelry, which we plan to make a part of our business. We would like to center it around the arts and healing modalities (products and services). I can outline a rough business plan for CIC, if it would help, and go into more detail if necessary (though I keep wondering what their attitude toward our interests will be, as spirituality plays a big part in it). We would also both like to work with plants in the future, and I would like to work with children as well, so we will probably pursue work in those directions, and can mention that as well (or in place of business pursuits, if it would be best). In the meantime, we have financial support until we need it.

Whew! So, questions:

1. How can we best represent our situation? Will CIC be more interested in our work histories or our future plans, or both? How much information should I/we include, as sponsor and applicant? Is there anything we should leave out? If possible, I want it to be concise, but effective.

2. Our parents have both written us letters of financial support for the purpose of T's visitor extension(s). The most recent letters are from July 2014 (last summer)—can we reuse these letters or do we need more recent ones? The one from his Mom promises to support him with $10,000 for a year, but if it would be more appropriate to word it differently (ex. a higher number for the next few years) we can get a new one from her. We would also include a recent bank statement from her. We could potentially get one from his Dad as well, who does offer support from their savings at times—or just one from both of them. The one from my parents is a bank letter stating all their assets which may be used to assist family members (they have more to offer than his mom does; I would say my family gives two thirds of the financial support). If a more personal letter from them would be helpful (ie. not just one from the bank) I can obtain one. Please let me know what you think.

3. On the Sponsorship Evaluation form, I will have to check either Unemployed or Self-Employed. I’m not sure which one to check. I would like to say Self-Employed, but since I am not really conducting activities for profit lately, and have not made enough to claim on my income tax, is it best that I say Unemployed? For Self-Employed, it asks for the business name and date established. I do have a name picked out, but I don’t know if I can say it is established as it is not official and no profit has been made under said business name (I also don’t CIC to suspect that my husband is working illegally, since he plans to be a part of my business).

4. The Sponsor Checklist (IMM 5491) says under Item 18 of Supporting Documents that I should include Proof of Employment AND/OR Proof of Income (which seems to specifically refer to business activities). I have neither right now, other than the “income” from our parents’ support. I am technically self-employed, but I haven’t made income this past year, and we are currently starting a business together, but it’s not ‘official’ since he can’t legally work yet. I was told by a forum member a year or so ago (amikety) that I should include a plan of financial support, and that should be fine since there is no minimum income requirement for spousal sponsorship. I hope this still holds true.

5. As per the checklist, I am sending in my 2013 Notice of Assessment from my income tax (I have not yet filed my taxes for 2014, but my income was 0. It was also 0 for 2013). If we file the paperwork before the end of April (income tax due date), will this be recent enough, or do you think they will want my 2014 Notice of Assessment too? It just says to send it for ‘the most recent taxation year,’ so I’m not sure what they mean by this. My Mom still receives my documents at the moment, so I would have to have her mail the original to me. We need to send it in rather soon, so I might skip this if it’s not a big deal.
_________

Thanks for bearing with me! I’m also open to suggestions if you think there’s anything else we could/should include to make our case stronger! Thanks in advance!
 

truesmile

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Jun 7, 2012
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1) Go with the first sentence of your essay, and leave it at that. CIC is interested in your ability (as proven historically by your Option C, to provide for yourselves). Or an alternative, attached financial plan, aka letters from parents.

2) Get a more recent letter, (I'd go with personal).

3) Not established? I'd go with unemployed.

4) For your sake, I hope so too.

5) They mean that your 2013 one is fine, if you don't have one from 2014 yet.
 

poeticaesthetic

Star Member
Apr 22, 2013
106
2
truesmile said:
1) Go with the first sentence of your essay, and leave it at that. CIC is interested in your ability (as proven historically by your Option C, to provide for yourselves). Or an alternative, attached financial plan, aka letters from parents.

2) Get a more recent letter, (I'd go with personal).

3) Not established? I'd go with unemployed.

4) For your sake, I hope so too.

5) They mean that your 2013 one is fine, if you don't have one from 2014 yet.
Thanks for your reply, truesmile! Sometimes I'm unsure if CIC wants a simple explanation, or if they require some level of 'convincing'. Obviously, I don't want to try too hard to convince them of anything if it might look suspicious or something. It's hard for me to understand how they think, especially when it comes to finances, since I am promising to support my husband.

I think you're right about stating 'Unemployed'. I'm just getting too worried about what they will think, and it's somewhat open to interpretation, but that probably makes the most sense in this case. I'll also get more recent letters from our families. I will send in the 2013 NoA.

Thanks again for the concise reply! Can anyone else weigh in on my question #4 about the Proof of Employment and/or Proof of Income? The checklist makes this seem like a requirement.
 

realismsleeve

Star Member
Feb 6, 2015
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poeticaesthetic said:
Whew! So, questions:

1. How can we best represent our situation? Will CIC be more interested in our work histories or our future plans, or both? How much information should I/we include, as sponsor and applicant? Is there anything we should leave out? If possible, I want it to be concise, but effective.
______
1. Don't be over elaborate, try to be concise but of course you can explain your situation however there is no minimum income requirement, you need to show that you can give shelter and food for him, that is all, you do not need to justify your past to them! It is about your future, they want to know your spouse will not claim benefits. Get a signed letter from your parents saying they will support you, I had a letter from my family saying they have accomodation for me, also attach your bank account details with some money in it, if your parents are providing accommodation then a short letter about that also.
 

canuck_in_uk

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May 4, 2012
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Hi

1. Explain that your parents are supporting you guys until you can start up your business and include the letters from them. I wouldn't go into more detail than that.

2. Get new letters and definitely have your parents actually write a letter themselves.

3. I would go with unemployed.

4. It states to include those IF you are employed. You aren't, so put N/A and include a separate sheet explaining it.

5. CIC doesn't want an NOA. They want an Option C, which you have to specifically request from CRA.
 

poeticaesthetic

Star Member
Apr 22, 2013
106
2
Thanks everyone! I nearly forgot about this thread, I have been so busy with things lately. Thanks for all the info! I have got letters from both our parents, and I will get a new bank letter from my parents. His parents also included bank account statements (they have separate banks at the moment), and I can include one of my own. I won't go into more detail than what's needed. The letter from his parents promises to support him with a certain amount in Canadian funds for the next 5 years, if needed. The letter from my parents will promise continued support until I, as his sponsor, have stabilized my income, and their bank letter states a total in all their accounts available to assist family members. Is this good?

I wish I had checked this thread sooner, as I had no idea about the NoA...I actually emailed my tax preparers months ago about the Option C from the NoA, and they told me that since it requests an 'original' that anything they emailed me might not be enough. My Mom told me she had my original NoA, so she sent it to me--I thought this was what I needed. Do I absolutely need to request the Option C? I've had no income, so do they really need to see this in more detail? I'm happy to request one from the CRA, but I'm not sure if it will arrive in time for us to send in the application. My husband's medical is scheduled for the 22nd, and he can't really reschedule because his police certificate is expiring on May 4, so we need to make sure CIC receives it before then. We were planning to mail the application as soon as the medical was completed, as I was advised to do this. I don't think we can afford any more delays because we've been trying to get this in for the past two years and his visitor status has been extended multiple times--I'm not even sure yet if they've approved the last one, so we'd rather not have to request a new police certificate and wait longer and risk CIC kicking him out.

What do you guys think I should do? I'm going to call the CRA and talk to them about it, maybe I can get it expedited somehow? Any info is appreciated.
 

canuck_in_uk

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May 4, 2012
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poeticaesthetic said:
Do I absolutely need to request the Option C? I've had no income, so do they really need to see this in more detail? I'm happy to request one from the CRA, but I'm not sure if it will arrive in time for us to send in the application. My husband's medical is scheduled for the 22nd, and he can't really reschedule because his police certificate is expiring on May 4, so we need to make sure CIC receives it before then. We were planning to mail the application as soon as the medical was completed, as I was advised to do this. I don't think we can afford any more delays because we've been trying to get this in for the past two years and his visitor status has been extended multiple times--I'm not even sure yet if they've approved the last one, so we'd rather not have to request a new police certificate and wait longer and risk CIC kicking him out.

What do you guys think I should do? I'm going to call the CRA and talk to them about it, maybe I can get it expedited somehow? Any info is appreciated.
Yes, you need the Option C. It shows more information than an NOA.

Send the app without it. Include a letter explaining that you've requested it and will forward it on as soon as it arrives.
 

poeticaesthetic

Star Member
Apr 22, 2013
106
2
canuck_in_uk said:
Yes, you need the Option C. It shows more information than an NOA.

Send the app without it. Include a letter explaining that you've requested it and will forward it on as soon as it arrives.
Thank you for your fast reply! Is it okay to do that? Is there a chance they'll reject the application, or will it cause delays? I'm trying to call the CRA right now, but I keep getting a busy signal. Should I send the Notice of Assessment along with the explanation, or does that mean nothing to CIC?

Edit: I just got ahold of them, I asked if they could expedite it but of course they couldn't, haha, so it will be 5-10 business days. I'm not sure where they mail it from; I'm living in Vancouver. I tried to ask how long it would take to get here but he still just said 5-10 business days regardless ::) So I guess we'll cross our fingers!
 

canuck_in_uk

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May 4, 2012
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poeticaesthetic said:
Thank you for your fast reply! Is it okay to do that? Is there a chance they'll reject the application, or will it cause delays? I'm trying to call the CRA right now, but I keep getting a busy signal. Should I send the Notice of Assessment along with the explanation, or does that mean nothing to CIC?
Very little chance that they'll return the app. Generally, as long as you explain why something isn't there and what you're doing to get it to them, CIC is fine with it.
 

poeticaesthetic

Star Member
Apr 22, 2013
106
2
canuck_in_uk said:
Very little chance that they'll return the app. Generally, as long as you explain why something isn't there and what you're doing to get it to them, CIC is fine with it.
I will definitely do that then, if it doesn't arrive in time. Thanks for your help!
 

omarazaher

Newbie
Oct 18, 2015
3
0
Hello Guys, I have an inquiry in the same context ..just wanted to be sure of something....

I am a Canadian citizen and I have an inquiry regarding sponsoring my husband's PR.
we got married 5 years ago and haven't been living in Canada since ( I don't have a permanent address ). I'm currently not employed, and haven't been employed before, either inside or outside Canada, as I'm financially dependent to my husband. therefore I don't have an income ..

My Inquiry :
- in my case; is providing a proof of income, or employment, mandatory for the sponsorship eligibility? ( can my application for sponsorship be refused/rejected because I don't have an income or not employed ?). if Yes, is there an alternative way ?.
- can my husband (himself) be my co-signer ?, so as his income to be considered instead of mine ?.
- can my parent ( Canadian citizen) be my co-signer ?, so as his income to be considered instead of mine ?.

Thanks in advance for your prompt reply.
 

canuck_in_uk

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May 4, 2012
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omarazaher said:
- in my case; is providing a proof of income, or employment, mandatory for the sponsorship eligibility? ( can my application for sponsorship be refused/rejected because I don't have an income or not employed ?). if Yes, is there an alternative way ?.
- can my husband (himself) be my co-signer ?, so as his income to be considered instead of mine ?.
- can my parent ( Canadian citizen) be my co-signer ?, so as his income to be considered instead of mine ?.
You will need to show that you can support yourselves without welfare. You can use your husband's income, savings, investments, family assistance etc.

You cannot have a co-signer.