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#1
03-29-2006, 08:05 AM
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Does russia look at income to debt ratio?
I was wondering if russia looks at income to debt ratio? I'm not sure what ours is right now but our credit cards are getting to be on the high side again. We have $35000 left on our line of credit, and we should be able to get more out of the house if needed.
__________________
Val (27) & Rich (28)
Together since July 4th 1996, Married June 20, 2001. TTC since June 2002 ~ Finally Preggy June 2004 ~ Lost our Princess 11/27/2004
Veronica Rosina Nov 25th - 27th 2004 Born (c-section) at 26.5 weeks do to severe Preeclampsia. Hoping to adopt a Little Princess someday!!!
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Russia Adoption Information
Russia Websites
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#2
03-29-2006, 08:17 AM
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I think you will find this varies per agency as well, but basically they look at your assets and can you financially afford the child (not the adoption).
First time around we had to fill out a net worth form (which showed both, assets and liabilities), this time it is just assets. We do have to provide things like employment letters which show our salaries. No one will check your credit. So it should not be an issue. Check with your agency to what specific documents they require, but I wouldn't worry abou tthis.
__________________
Kris Mom to Aleksandr (b. 3-2004, a. 8-2004 Kirov, Russia) and to Maks-Joseph (b. 10-05, a. 11-06 Murmansk, Russia) Our family is complete!!! www.hearttohome.blogspot.com
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#3
03-29-2006, 08:27 AM
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Sounds good, our income to debt doesn't look that great right now, but we have two sets of grandparents that are very much looking forward to spoiling our child (after lossing Veronica, they are even more ready to be awesome grandparents), and my mom keeps telling me not to worry about the money, but it is hard not too!
__________________
Val (27) & Rich (28)
Together since July 4th 1996, Married June 20, 2001. TTC since June 2002 ~ Finally Preggy June 2004 ~ Lost our Princess 11/27/2004
Veronica Rosina Nov 25th - 27th 2004 Born (c-section) at 26.5 weeks do to severe Preeclampsia. Hoping to adopt a Little Princess someday!!!
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#4
03-29-2006, 10:39 AM
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Princess,
They can't, because they never would have let us adopt. For our agency, we had to fill out a monthly salary/monthly expenditures sheet. It included utilities, mortgage, loans, food, etc. We were honest, and it looked horrible-we about broke even. 
__________________
Katrina, PROUD MOMMY OF 3!!!!!!
Mom to two boys, 8 and 5, adopted from Moscow, and
Mom to a 6 year old girl, adopted from Seoul.
Special needs mommy with experience with FAS, dyslexia, ADD, FAE, CP/spastic quadriplegia, global developmental delay, and so in love with my kids it hurts!
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#5
03-29-2006, 11:05 AM
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Hi "Princess".... I am sure you will be fine!!! When I filled out my dossier, there was a financial section, liquid, home, car, expenses, etc. - I too was nervous as I as single, and only had the one income.
Now, my sister and BIL adopted around the same time as me, and they broke even on paper, and they where fine!!! I would not worry about that at all!!!! Now, get that paper chase/work moving!!!!
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07/23/04 08/06/04 Summer Hosted 08/19/04 Homestudy Completed 09/01/04 All paper > Moscow 09/29/04 Call fr RU Agency:Aunt trying to stop Adoption 10/15/04 RU called saying If adoption continues not til Spring 05 12/14/04 SURPRISE CALL Be on Plane in 4 DAYS 12/20/04 Arrive Moscow 12/23/04 COURT 4:55 MosTime Anya is my DAUGHTER 12/26/04 10 Days NOT Waived home 01/16/05 Return to Process Anya out of RU 01/23/05 Flight Cancelled! Blizzard in NY 01/25/05 Arrive at JFK with my DD
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#6
03-29-2006, 11:08 AM
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Quote:
LOL can you tell i'm sooo nervous!!! OMG i have been dreaming about this for over a year and now it is all starting to come together!
__________________
Val (27) & Rich (28)
Together since July 4th 1996, Married June 20, 2001. TTC since June 2002 ~ Finally Preggy June 2004 ~ Lost our Princess 11/27/2004
Veronica Rosina Nov 25th - 27th 2004 Born (c-section) at 26.5 weeks do to severe Preeclampsia. Hoping to adopt a Little Princess someday!!!
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