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Old 06-09-2011, 02:55 PM
CheckRaise CheckRaise is offline
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Unhappy H1 expiring - leave country checklist

Hello,
My 8th year H1 expires in a month's time and with no labor on file I will be leaving the country a couple of days before my H1 expiry. Is there a checklist on what I need to take care of before I leave the country?

Also, as I still have some outstanding credit card debt, I am planning to file bankruptcy. How much does this filing impact my future re-entry into US/future immigration efforts. My plan is to come back after a year with a new H1 term and as I wont be able to pay my bills for a year I plan to file chapter 11. Please let me know how much does this filing impact my future new H1 term.

Thanks,
S
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  #2  
Old 06-09-2011, 03:44 PM
dvb123 dvb123 is offline
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Default Bankruptcy!!

Pls contact your banks and explain them your situation. They will hold your payments for 1 year - 18 months. You can pay from India 100-200$ per month for all your banks if they cannot keep on hold for long. My advice is not to file bankruptcy but let other gurus tell their opinions.
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Old 06-09-2011, 05:03 PM
Uncertain Uncertain is offline
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Future re-entry/ future immigration will not be affected in any way since it is not related to your credit score in any way.
Bankruptcy stays on your credit records for 7 years, and if you return in 2 years it will be difficult getting a loan for cars or to rent an apartment because of the bankruptcy.
If you leave without paying, then by the time you return the debt will have grown after adding all the late fees.
I read a similar post on another forum, people there suggested not to contact the bank because the bank may get nervous that you may not return or may not pay once you leave and may demand that you pay the entire amount in 90 days... apparently thats in the fine print.
So just try to pay a little every month.
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Old 06-09-2011, 05:12 PM
CheckRaise CheckRaise is offline
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Default

Thanks for the responses DVB and Uncertain!

I am kind of aware of the pitfalls after I come back - not able to rent home, car etc. I am thinking of risking that. My concern has more to do with future reentry. And as you have suggested there would be no impact and been hearing around, I am leaning more towards filing it.

Thanks!
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Old 06-09-2011, 05:13 PM
yagw yagw is offline
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For credit card debts, problem with minimum payments is, you pay a lot for interest. And they can raise the rate anytime for any reason (or no reason).

I would suggest paying off the credit card in full. If you don't have enough to pay them off, may be a loan from your country for a year?

dvb123: OP may not necessarily from India...
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Old 06-09-2011, 05:15 PM
CheckRaise CheckRaise is offline
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Default Checklist

Also can any one please let me know what needs to be done prior to leaving the country for a year? Do I need to surrender anything to let them know that I am leaving the country? Is there a checklist of some sort?
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  #7  
Old 06-09-2011, 05:18 PM
Uncertain Uncertain is offline
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Surrender your I94, thats the most important, you know that already

Pay off all your bills, and do whatever you decide to do with the credit card debt.
You can inform them that you are moving overseas when you request your final bills.
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