Risks in using a legal address which isn't ? - Page 2

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Risks in using a legal address which isn't ? - Page 2


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  #11 (permalink)  
Old 3rd May 2019, 04:44 PM
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Originally Posted by citlali View Post
big surprise. Mexico has a credit bureau..and banks give out loans and credit cards..
Good grief - I apologize for my post.

Ya know - this site is going through some changes. (I hope that comment isn't some sort of infraction).

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Old 5th May 2019, 03:41 PM
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“I have had no problem renting cars with my Mexican driver's license. Since I don't carry US car insurance and don't trust the claims that my credit card will cover problems, I always pay for full insurance coverage from the car rental company. It doubles the cost of the rental. But that has nothing to do with the country of origin of my license.

I would be surprised if there are "a lot of people" with invalid licenses, but I suppose it depends on how you define "a lot". My impression is that driving without a license is a serious offense in the US and if you are stopped for any reason, even a burned out tail light, the first thing they do is ask for your license.

I think your license is good until it expires even if you change states, but most states have rules requiring you to get a license from the state you live in within some time period.

I once had a Colorado license stolen while I was living in Mexico. That was when I first got a Mexican driver's license. I had a rental reserved and needed a license immediately, During a trip immediately after that I was in California. So I went to the DMV there and was able to get a California driver's license using the address of a friend at the time. I was in their system because I had had a California driver's license 15 years prior, and I guess you can check out of the CA DMV system but you can never leave.“


Love this post by TG. Not only is it full of useful info, it closes with one of the cleverest lines this site has ever been blessed with, IMO.


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  #13 (permalink)  
Old 5th May 2019, 04:41 PM
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I had a problem once , in France with a small local company because there was some rule that you could only rent after you had driven so many years and my license had just been renewed.. Same thing happened to Australians who were with me. Now I ave a permanent license from Chiapas and no problems..

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  #14 (permalink)  
Old 5th May 2019, 06:59 PM
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Quote:
Originally Posted by citlali View Post
I had a problem once , in France with a small local company because there was some rule that you could only rent after you had driven so many years and my license had just been renewed.. Same thing happened to Australians who were with me. Now I ave a permanent license from Chiapas and no problems..
Chiapas licenses are permanent? That is nice. Jalisco driver's licenses are only good for 4 years. Fortunately they are pretty easy to renew.

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Old 5th May 2019, 07:12 PM
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the high priced ones are permanent , the only problem is that is you have to change anything you cannot do it unless you pay the fee again unlike the temporary ones.

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Old 9th May 2019, 05:58 AM
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Originally Posted by lat19n View Post
I put a little time into researching this topic this afternoon. Apparently using/misrepresenting your address gets labelled as 'address fraud'. The penalties vary and principally come down to 'intent'.

When we left the US we had our mail forwarded to a friend's address. I think that lasted perhaps 3 months or so. We used that as a means of determining who we needed to contact. Interestingly - the Sup of Elections (different county) picked up on that change of address (without any interaction with us) and set us up to vote via mail.

I do know this. There are a LOT of address implications when it comes to money. For example - if you happen to have an annuity it is written using the rules for the State you live in. If you leave that State and later decide to 'annuitize' - your options will be severely limited.

I do know that somewhere in the closet I have a currently 'valid' driver's license (which really isn't still valid as I no longer live in that State). I probably should get an international license - but I think they are only good for a year.
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Old 6th June 2019, 06:17 PM
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Yesterday I got a lesson in the hazards of having a Mexican address. I received a letter from the IRS. The IRS has my real address in Guadalajara. The letter was issued on May 6th of this year and said I owed some additional money because I made an error on my tax forms in April. It said I had until May 27th to pay. After that date there will be additional fines. I received the letter on June 5th.

I paid online as soon as I got the letter. I am hoping they will wave the additional fine incurred by missing the deadline.

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Old 8th June 2019, 09:18 PM
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Quote:
Originally Posted by citlali View Post
big surprise. Mexico has a credit bureau..and banks give out loans and credit cards..
Gnarly.

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  #19 (permalink)  
Old 9th June 2019, 02:19 PM
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Why assume the worst of Mexico?? They have Mexican and International banks who do the same exact thing as in the States or Europe . Why should it be a surprise?
The banks here are out for the banks like in any other country ,the things that are differwnt is that the do not have the consumer protection laws here they do in the States so that is the thing to watch out for.. not the credit buro..

If you want to get loans , yeas you should check the credit buro but since the rates are outrafeaous.. ot is irreleabt for people who have some money n the bank in the US or Canada.

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Old 10th June 2019, 05:19 AM
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Quote:
Originally Posted by lat19n View Post
I know given the current state of the world, a little white 'fib' might not get you in a lot of trouble (considering) but I do believe there are real consequences to using another person's address as your legal address 'may' land you in some hot water.

Kind of along the theme with all these people who were trying to get there kids into good schools. A lot of people cook-up addresses in places where they want to go to state universities (like Florida :-)).

I'm not trying to preach - but I have made a serious effort to be honest with all the past
relationships we had in the US. Principally because of my concern for the exposure of the people on the other side - those people whose address I might be using.

There are so many unforeseen entanglements. You tell the IRS you don't need US healthcare because you are living full-time in Mexico. Yet you claim you live in Florida for some purposes (for example) ?
I'm no law expert nut far as I know from two decades working abroad, U.S. gov't doesn't you to give up all property or even legal address to get out of income taxes up to a certain amount (though not FICA), just spend 30 days or less in every year (or I think every day period).

I don'y know about getting out of Medicare payments. I wouldn't myself. Making the payment gives you right to Medicare coverage immediately and also right to buy Medicare plus if live brings you back to US.

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