What Sponsors Need to Know Before Supporting an Immigrant

what sponsors need to know before supporting an immigrant

Immigration sponsorship obligations and risks should be considered before signing on the dotted line. Sponsoring an immigrant is generous, however, it comes with significant legal, financial, and long-term responsibilities. The process requires more than a signature; it is a legally binding commitment. It could affect your financial stability, creditworthiness, and legal standing for years. Many well-intentioned sponsors assume their responsibility ends once the immigrant receives a green card, but this is far from the truth. 

By signing Form I-864, Affidavit of Support, a sponsor pledges financial support to the immigrant. Preventing them from becoming a “public charge.” This obligation can last for a decade or more. Unfortunately, too many sponsors only realize the full weight of their obligations after signing.  

This guide will break down everything sponsors need to know before supporting an immigrant. From financial risks and legal obligations to the often-overlooked consequences on credit, taxes, and future immigration petitions, this article will provide an in-depth look at  

A Queens Immigration Attorney helps you understand the realities of sponsorship. Illuminating the often-overlooked consequences on credit, taxes, and future immigration petitions. 

Key Facts 

  • The minimum income requirement for a household of two to sponsor an immigrant is $26,437. 
  • Sponsors can face fines between $250 and $5,000 for failing to report an address change to USCIS. 
  • Sponsors must file Form I-865 within 30 days of moving to avoid penalties and legal action. 
  • A joint sponsor must individually meet the 125% income requirement and is equally liable for the immigrant’s financial support. 
  • Immigration sponsorship obligations do not end after divorce, and sponsors may still be required to provide financial support. 
  • Some courts treat sponsorship obligations as non-dischargeable in bankruptcy, similar to child support or alimony. 

What are the Immigration Sponsorship Obligations? 

Sponsoring an immigrant is a serious legal commitment extending beyond the initial application process. A sponsor takes on a major commitment by assuming full financial responsibility for the immigrant. This commitment remains enforceable for years, with strict legal and financial consequences for non-compliance. The sponsor can be sued for reimbursement by federal or state agencies. If the immigrant applies for means-tested public benefits such as Medicaid or food assistance.  

The Legally Binding Nature of Form I-864 

When a sponsor signs Form I-864, they enter into a legally enforceable contract with the U.S. government. They promise to provide financial support to the immigrant. Form I-864 is not just a procedural requirement, it is a contract that can be enforced in state and federal courts 

How Long Do Immigration Sponsorship Obligations Last? 

Sponsorship does not automatically end when the immigrant receives their green card. A sponsor’s obligation remains in effect until one of the following conditions is met: 

  • The immigrant becomes a U.S. citizen through naturalization. 
  • The immigrant earns 40 qualifying quarters of work. Equivalent to approximately 10 years of full-time employment under Social Security-covered work. 
  • The immigrant permanently departs the U.S. and formally relinquishes their lawful permanent resident status. 
  • The immigrant passes away. 
  • The sponsor passes away, though any existing liabilities before the death may still be enforced against their estate. 

It is crucial to note that courts have consistently ruled that a sponsor remains responsible even after a divorce. Also, the immigrant can still take legal action to enforce financial support. 

What Happens if the Immigrant Receives Public Benefits? 

Sponsors are legally required to reimburse state and federal agencies for any government assistance the immigrant receives, including: 

  • Medicaid 
  • Supplemental Nutrition Assistance Program (SNAP, formerly food stamps) 
  • Temporary Assistance for Needy Families (TANF) 
  • Supplemental Security Income (SSI)

From insurance to emergency care, here’s what every immigrant should know about healthcare in the U.S. Read more. 

Sponsors may assume that they will be notified before an immigrant applies for benefits. However, that is not always the case. In many instances, government agencies may demand repayment months or years after the benefits were issued. If the sponsor does not comply, the agency can file a lawsuit against them to recover the funds 

What If the Immigrant Refuses to Work? 

One of the most misunderstood aspects of sponsorship is whether a sponsor can compel the immigrant to find employment. The answer is no. A sponsor cannot force a sponsored immigrant to work, even if they are financially struggling. 

Court rulings have made it clear that sponsors must provide financial support. Regardless of the immigrant’s willingness or ability to work. Moreover, a sponsored immigrant has the right to sue their sponsor. That is if their income falls below 125% of the Federal Poverty Guidelines. Should the immigrant choose not to work, they can legally enforce the sponsor’s obligation in court. 

Legal Consequences for Non-Compliance 

Failing to meet immigration sponsorship obligations can lead to severe financial and legal repercussions. Should a sponsor not provide the required support or fails to reimburse government benefits. They may face the following consequences: 

  • Lawsuits from the immigrant: The sponsored immigrant can sue the sponsor to force financial support. 
  • Government reimbursement demands: Federal and state agencies can demand repayment for any means-tested benefits the immigrant receives. 
  • Wage garnishment and asset seizure: If a court rules against the sponsor, their wages, bank accounts, or property may be subject to collection actions. 
  • Fines for failing to update address: Sponsors are legally required to file Form I-865 within 30 days of changing addresses. Failure to do so can result in fines ranging from $250 to $5,000. 
  • Liability even after bankruptcy: Some courts have ruled that immigration sponsorship obligations are not dischargeable in bankruptcy. This means that even if the sponsor files for bankruptcy, they may still be responsible for supporting the immigrant. 

Once Form I-864 is signed, immigration sponsorship obligations cannot be revoked. Except under the few limited circumstances previously mentioned. Make sure to seek legal counsel from an experienced Queens immigration attorney. Our attorneys can help you make an informed decision.  

Could Sponsoring an Immigrant Affect Your Credit and Financial Standing? 

Most sponsors consider whether they earn enough to qualify. However, few anticipate the potential credit risks, liability for public benefits, and financial consequences of joint sponsorship. Let’s explore how sponsorship can impact credit scores, debt obligations, and future loan applications. 

Does Sponsoring an Immigrant Affect Your Credit Score? 

Sponsoring an immigrant does not directly impact your credit score. However, the financial immigration sponsorship obligations tied to sponsorship can have indirect consequences. Form I-864 legally requires the sponsor to maintain the immigrant’s income at 125% of the Federal Poverty Guidelines. The financial strain could increase a sponsor’s debt-to-income ratio. 

Lenders assess a borrower’s financial stability based on existing financial commitments. If the sponsor provides ongoing financial support to the immigrant, these additional expenses may reduce disposable income. If a sponsor accumulates personal debt to support the immigrant, their credit utilization ratio could increase. Making it more difficult to secure new credit lines or loans. The sponsorship itself does not show up on a credit report. However, the financial strain it creates can influence a sponsor’s overall creditworthiness. 

Can a Sponsor Be Held Liable for an Immigrant’s Debt? 

A sponsor is not automatically liable for an immigrant’s personal debts, such as credit cards, car loans, or rent payments. However, a sponsor can become legally responsible if they co-sign a loan, lease, or credit agreement. 

If the sponsor co-signs a lease for the immigrant’s housing and the immigrant defaults on rent. The landlord has the legal right to pursue the sponsor for unpaid amounts. The same applies to car loans or credit cards. Co-signing means assuming full financial responsibility if the immigrant fails to meet their obligations. This risk is particularly significant since newly arrived immigrants face difficulties establishing a credit history in the U.S. 

Financial Risks of Being a Joint Sponsor for a Green Card 

Many primary sponsors do not meet the minimum income requirement of $26,437 for a household of 2. This leads to the need for a joint sponsor. Joint sponsors take on equal financial responsibility for the immigrant, even if they are not related. 

A common misconception is that joint sponsorship is a secondary or backup role. In reality, joint sponsors are just as liable as the primary sponsor. This legal obligation continues even if the primary sponsor remains financially capable. Joint sponsors face the same risk of reimbursement lawsuits if the immigrant receives means-tested public benefits. 

What Happens If an Immigrant You Sponsor Gets a Criminal Record? 

A sponsor is not automatically liable for the criminal actions of the immigrant. However, legal complications can arise. Depending on the severity of the offense, the immigrant’s immigration status, and whether the sponsor was involved in any way.  

Can a Sponsor Withdraw Support After an Arrest? 

A sponsor cannot withdraw their financial support obligations simply because the immigrant they sponsored has been arrested or convicted. The commitment made under Form I-864, Affidavit of Support, is a legally binding contract. It remains in effect regardless of the immigrant’s legal troubles.  

Even if the immigrant is convicted of a crime, the sponsor remains responsible for financial support. Unless one of the termination conditions previously stated is met. This means that if the immigrant loses their job due to incarceration. The sponsor may still be held liable for their financial support needs as a part of their immigration sponsorship obligations. 

Does an Immigrant’s Criminal Record Affect Their Sponsor’s Background Check? 

A sponsor’s background check is generally independent of the immigrant’s legal record. However, if the sponsor becomes directly involved in the case, there could be legal implications. Such contact includes co-signing a bail bond or financially supporting the immigrant’s legal defense. Should law enforcement agencies suspect that the sponsor had prior knowledge, they could investigate the sponsor for potential complicity. Especially if that knowledge was before signing Form I-864,  

Can a Sponsor Be Penalized for an Immigrant’s Criminal Actions? 

Generally, a sponsor is not penalized for the criminal actions of the immigrant they support. However, there are exceptions. If the sponsor played any role in facilitating illegal activities. Such as human trafficking, fraudulent marriages, or knowingly providing false financial support documents. They could face legal consequences. 

Furthermore, if an immigrant commits a crime and later applies for public assistance. That is due to unemployment or incarceration, the sponsor may still be liable for repaying those benefits. Government agencies can sue sponsors for reimbursement of public benefits received by the immigrant, even if the immigrant is incarcerated. 

Sponsorship Is More Than a Promise; Consult a Queens Immigration Attorney 

Before taking on immigration sponsorship obligations, consider what this commitment truly means. Would you be able to support the immigrant if they lost their job? Are you financially prepared for potential legal disputes? What happens if your relationship with the immigrant changes? These are difficult but necessary questions every potential sponsor should ask. 

Our immigration attorneys can assess your situation and explain your obligations in detail. Helping you handle sponsorship in a way that protects both you and the immigrant. Get in touch by booking a free consultation today! 

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