My husband and I are going through a divorce. He sponsored me to come into the United States, 9 years ago. We purchased a home as husband and wife that has been foreclosed on. The second mortgage was a purchase money loan (80/20) which to my understanding would be a non-recourse loan. On, my recent credit report the second mortgage ($61,000) still showed owing. My question is under I-864 where my husband accepted financial responsibility for me would this exempt me from all the debts that were charged during our marriage, such as the above $61,000?
No. You need to consult with your divorce attorney on what happens to the assets and debts accumulated during the marriage. The Affidavit of Support relates only to guaranteeing you sufficient income that you will not be a public charge (125% of the Poverty guidelines). Your divorce attorney should be familiar with the cases relating to this and may allow you to get alimony (now called maintenance of status in most states) up to this limit.
No, you cannot be relieved of responsibility for debts that you incurred through use of the I-864. See an attorney who is knowledgeable in debt matters. The I-864 is to be sure that you are not a burden to the U.S. government but does not keep creditors from collecting what you are responsible for.
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