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. | +$ | ||||||||