Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Need advice for Schedule J

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Need advice for Schedule J

    Starting this thread per the advice of Valleyum. These are my current expenses. My combined average monthly income from schedule I is $1309, so now I'm worried the trustee could dismiss my case even though I pass the means test. Advice?

    Rent - $400
    Utilities - $110
    Food - $200
    Clothing - $35
    Laundry - $10
    Transportation - $120
    Auto Insurance - $88
    Other (Gym) - $43

    Total = $1006


    Combined Average Monthly Income from Schedule I = $1309

  • #2
    Those numbers look awfully low. You spend only $10/month on laundry? That reads like a weekly amount, for sure! Also, is that $1,309 combined income less taxes? Do you receive a tax refund each year?

    Do not be conservative with your numbers. You should list what you would expect to be paying, not what you are trying to live on.
    • Where is the amount for your personal care items (shampoo, soap, other hygiene items)? (means test gives $34/month for one person)
    • Your food should probably be around $300/month for one person. (means test gives $315/month for one person)
    • Where is the amount for your household items (dish detergent, cleaning materials, towels, etc)? (means test gives $30/month for one person)
    • Do you have life insurance?
    Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
    Status: (Auto) Discharged and Closed! 5/10
    Visit My BKForum Blog: justbroke's Blog


    I am not an attorney. Any advice provided is not legal advice.

    Comment


    • #3
      Transportation, is that for gas, tolls? Does it include car maintenance, repair?

      Comment


      • #4
        Yes, I was going to ask, I mean I have 300 left over, but I often have to get my car repaired. How exactly should I calculate the cost for monthly car repairs, just guess it? Or I guess I should take the total of all repairs so far this year and divide it by 8 months?


        And also is $200 really low for food? Everyone keeps telling me that is really high. I should recalculate that to include other food besides non-groceries. I order lunch everyday I'm at work.

        Comment


        • #5
          I added all car repairs for the previous 12 months and divided by 12. I did have receipts for everything, and it was a lot of money for 1 yr. car repairs. (I should mention, I also had an attorney, I wasn't pro se.)

          Write down absolutely everything you can think of that you've spent on anything in the last 12 months. When you really think hard on this, you probably have more expenses than you realize. It wasn't too difficult for me, because I had used my debt card for nearly everything, so I went through a year's worth of bank statements. You can then group it into things like personal care, car maintenance, health care, pet care, etc. You can then post it here for further advice.

          Comment


          • #6
            Originally posted by bagel View Post
            And also is $200 really low for food? Everyone keeps telling me that is really high. I should recalculate that to include other food besides non-groceries. I order lunch everyday I'm at work.
            Who's everybody? Yes, that is low. It should include you work lunches too, but it's best not to go above the means test allowance.

            Don't forget vehicle registration.

            What about medical expenses? National standards are $60 a month for out-of-pocket expenses.

            How are you able to have such low rent? Can you count on that continuing? Schedule J should be forward looking.

            Look at all expenses you have over the year and divide by twelve to come up with the monthly average.
            LadyInTheRed is in the black!
            Filed Chap 13 April 2010. Discharged May 2015.
            $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

            Comment


            • #7
              Thanks

              Comment


              • #8
                Do you pay rent to your parents by chance? If so, can you prove you pay this with rent receipts, bank statements for the past year or so? Trustee may ask for proof.

                This isnt meant to sound bad or mean, and I know you said you want to file Pro Se and have the NOLO book, however with all the questions you've been posting asking for assistance with the forms, it really sounds like you should be hiring an attorney to help you. I'm sure an attorney will work with you regarding payments, and you'll probably be better off, especially if you have to file answers to the court should the Trustee want them.

                Just a friendly suggestion

                Comment


                • #9
                  Originally posted by Pandora View Post
                  This isnt meant to sound bad or mean, and I know you said you want to file Pro Se and have the NOLO book, however with all the questions you've been posting asking for assistance with the forms, it really sounds like you should be hiring an attorney to help you. I'm sure an attorney will work with you regarding payments, and you'll probably be better off, especially if you have to file answers to the court should the Trustee want them.

                  Just a friendly suggestion
                  I agree, and have been avoiding saying anything as I already raised concerns based on the nature of Bagel's questions before starting to fill out forms. Bagel, the more of your questions I read, the more I think you need an attorney. When you file Pro Se you are acting as your own attorney and you need to start thinking like an attorney. You don't appear to be doing that. You said you can't afford an attorney. If that is really true, then you must not have anything for creditors to take and you are probably better off waiting until you have more of a cushion in your budget to file.

                  At the very least, you should put the forms aside for a while and do a lot more research about bankruptcy. The Nolo Book is an excellent resource. But, you shouldn't be relying on it exclusively.
                  LadyInTheRed is in the black!
                  Filed Chap 13 April 2010. Discharged May 2015.
                  $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

                  Comment


                  • #10
                    I'd like to keep this on topic, however I should once again note that I've already made the decision to file pro se. So I'm not sure how productive it is to keep restating your opinion that I hire an attorney in multiple threads. I understand that is your honest opinion and that you are trying to help, however one post stating your opinion is probably enough.

                    Comment


                    • #11
                      I believe that some want more details on your actual expenses, and how you can document those expenses, or hire an attorney who can lead you down the right path.

                      Despite any misgivings about your preparedness, many people do file pro se and are highly successful (shameless plug). Those people are well prepared and I see that you are trying to get there, but I did not see any additional information which was requested by myself and several others.

                      In the end, EVERYONE that responded wants you to be successful and not one of the people who post just after their 341 Meeting with a thread titled "OMG, I messed up! Trustee wants my (house, car, money, etc.)".
                      Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
                      Status: (Auto) Discharged and Closed! 5/10
                      Visit My BKForum Blog: justbroke's Blog


                      I am not an attorney. Any advice provided is not legal advice.

                      Comment

                      Unconfigured Ad Widget

                      Collapse
                      Working...
                      X