Required documents for modifications and conversions

MODIFICATION OF PLAN AFTER CONFIRMATION

AND CONVERSIONS

 

Prior to scheduling an appointment to modify your Chapter 13 plan payment or convert your case to a Chapter 7, the following items must be received by our office:

 

Two months proof of all household income from every source and for everyone living in the home.  This includes all income from wages, social security, unemployment, child support, disability, Tanif, food stamps, rental income, etc. for you and for everyone in your household. 

 

A complete list of all living expenses for the household including personal expenses (car payments, etc. of everyone living in the home.)  Please print off Schedule J below, complete all areas, and bring in with the other documents.

 

A copy of the most recent federal and state tax return filed.

 

Until you have provided all of the information that we need, we are unable to give you an answer regarding the options that may be available to you in your case.  We will be happy to set a telephone appointment to review the information with you to determine if you are able to reduce your Chapter 13 plan payment or if you are eligible to convert to a Chapter 7 case.

 

 

 

Official Form B 6J

 

Schedule J: Your Expenses

 

 

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct

information. If more space is needed, attach another sheet to this form. On the top of any additional pages, write your name and case number

(if known). Answer every question.

     

 

Part 1:

Describe Your Household

1.

 

Is this a joint case?  ___Yes  ____No

 

 

 

If Yes, does Debtor 2 live in a separate household?  ___Yes  ___No

 

If, Yes, then:

 

 Debtor 2 must file a separate Schedule J.

       

 

2.

Do you have dependents?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Fill out this information for each dependent...........

 

Dependent’s relationship to

Debtor 1 or Debtor 2

 

Dependent’s

age

 

Does dependent

 live with you?

 

 

 

 

 

 

 

 

 

 

 

 

 

Do not state the dependents' names.

 

 

 

 

 

 

 

No

Yes

 

 

 

 

 

 

 

 

 

No

Yes

 

 

 

 

 

 

 

 

 

No

Yes

 

 

 

 

 

 

 

 

 

No

Yes

3.

 

 

                         

 

Part 2:

Estimate Your Ongoing Monthly Expenses

Estimate your expenses as of your bankruptcy filing date unless you are using this form as a supplement in a Chapter 13 case to report

expenses as of a date after the bankruptcy is filed. If this is a supplemental Schedule J, check the box at the top of the form and fill in the

applicable date.

 

Include expenses paid for with non-cash government assistance if you know the value of such assistance and have included it on Schedule I: Your Income (Official Form 6I.)

 

 

Your expenses

 

 

 

 

 

 

 

4.

The rental or home ownership expenses for your residence. Include first mortgage payments and any rent for the ground or lot.

Does your mortgage payment include taxes and insurance? ___Yes  ___No

4.

$

 

 

 

 

If your mortgage payment does not include taxes and/or insurance, please list

those amounts below.

 

 

 

 

 

 

4a.

Real estate taxes

4a.

$

 

 

 

4b.

Property, homeowner’s, or renter’s insurance

4b.

$

 

 

 

4c.

Home maintenance, repair, and upkeep expenses

4c.

$

 

 

 

4d.

Homeowner’s association or condominium dues

4d.

$

 

 

5.

Additional mortgage payments for your residence, such as home equity loans

5.

$

 

 

 

6.

Utilities:

 

 

 

 

 

6a.

Electricity, heat, natural gas

6a.

$

 

 

 

6b.

Water, sewer, garbage collection

6b.

$

 

 

 

6c.

Telephone, cell phone, Internet, satellite, and cable services

6c.

$

 

 

 

6d.

Other. Specify:

 

6d.

$

 

 

7.

Food and housekeeping supplies

7.

$

 

 

8.

Childcare and children’s education costs

8.

$

 

 

9.

Clothing, laundry, and dry cleaning

9.

$

 

 

10.

Personal care products and services

10.

$

 

 

11.

Medical and dental expenses

11.

$

 

 

12.

Transportation. Include gas, maintenance, bus or train fare.

Do not include car payments.

12.

$

 

 

13.

Entertainment, clubs, recreation, newspapers, magazines, and books

13.

$

 

 

14.

Charitable contributions and religious donations

14.

$

 

 

15.

Insurance.

Do not include insurance deducted from your pay or included in lines 4 or 20.

 

 

 

 

 

15a.

Life insurance

15a.

$

 

 

 

15b.

Health insurance

15b.

$

 

 

 

15c.

Vehicle insurance

15c.

$

 

 

 

15d.

Other insurance. Specify:

 

15d.

$

 

 

16.

Taxes. Do not include taxes deducted from your pay or included in lines 4 or 20.

 

 

 

 

 

Specify:

 

16.

$

 

 

17.

Installment or lease payments:

 

 

 

 

 

17a.

Car payments for Vehicle 1

17a.

$

 

 

 

17b.

Car payments for Vehicle 2

17b.

$

 

 

 

17c.

Other. Specify:

 

17c.

$

 

 

 

17d.

Other. Specify:

 

17d.

$

 

 

18.

Your payments of alimony, maintenance, and support that you did not  deducted from your pay.

18.

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

20.

 

 

Other real property expenses not included in lines 4 or 5 of this form.

 

20a.

Mortgages on other property

20a.

$

 

 

 

20b.

Real estate taxes

20b.

$

 

 

 

20c.

Property, homeowner’s, or renter’s insurance

20c.

$

 

 

 

20d.

Maintenance, repair, and upkeep expenses

20d.

$

 

 

 

20e.

Homeowner’s association or condominium dues

20e.

$

 

 

21.

Other: Specify:

 

21.

+$