When filling out BK paperwork...?

[skyan]

When you fill out the Schedule J, Do you ONLY list what you have been paying? Specifically, my question is... we need to get renter's insurance, but so far we have just been risking it without any. We got a quote of what the monthly premium would be, but we haven't been able to afford it yet. Should we list that since we intend to get it? Or can we NOT, since we don't currently have it?

Thanks.

[stressedinmi]

We were told by our lawyer to put down the expenses (necessary, not extravagant) that we would have if not paying our credit cards. We were kind of in the same boat, and listed things like medical insurance and church donations, that, even though we hadn't been paying because of the cc bills, we would now be able to.

Hope that helps!

[skyan]

Thank You.
Do you know the max allowed for church donations? Are you allowed to list 10%? Or is there just a cap no matter what your income?

Thanks.

[HHM]

There is no set cap on charitable contributions, 10% would probably be reasonable, but it depends on the area.

[skyan]

Thanks HHM.