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  • Question on Calculating Medical, Dental and Vision Expenses

    I'm need to list line-by-line my Medical, Dental and Vision Expenses for the Means Tests Chapter 7.

    Things like new contacts, glasses and co-pays are easy to list, but I had a few questions:

    - If I spent $1,000 last year on medical out of pocket, but only spent $100 this...
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  • huskydawgs
    started a topic Expenses for Chapter 7

    Expenses for Chapter 7

    I'm converting my Chapter 13 into a Chapter 7 hopefully in the next month. I just lost my job so I'm on unemployment.

    How does this list of expenses look? I'm single and live in San Diego. I read that the standard for Housing and Utilities is $2162 for San Diego County

    ...
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  • csonly
    started a topic Means test question...

    Means test question...

    I've been going over my BK paperwork over and over. I do feel that I have a competent attorney with more than 20 years experience, so I feel comfortable with him, but I do question a few things on our means test.

    For the means test, I see that the national standards are what are used...
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  • sillywalks
    started a topic Look over my expenses and give your opinion?

    Look over my expenses and give your opinion?

    I am posting my expenses (along with some explanation) in the hopes that forum members will critique them and let me know which ones will be trouble!

    I am filing as a 2 member household -- my son is moving out in January, but he is a full-time student. I'll be glad to provide more info...
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  • How to Improve Your Financial Willpower

    i found this articile to be most intersting!! maybe a bit of help in attempting our start over...so i thought i would share it.

    November 30, 2010, 12:03 pm
    How to Improve Your Financial Willpower
    By RAMIT SETHI New York Times

    "One of my friends has been...
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  • Okieblue
    started a topic My expenses/ realistic?

    My expenses/ realistic?

    Family of 5 + 2 pets
    $6,188 gross (spouse works) sometimes OT, but not a regular thing
    taxes/dental $1162

    Rent: 1065 (over by 95)
    food: 800
    personal:100
    medical: 225 ($12 copays, kids will need wisdom teeth out, one in braces, PT for me)
    dogs:...
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  • daylate
    started a topic Very confused about Schedules I & J -

    Very confused about Schedules I & J -

    I have been reading lots about allowed expenses on Schedule J and my head is spinning. I also am a bit confused about the difference you are allowed between I & J. My attorney said that anything more than $187 a month and you're going 13.

    If I use real expenses based on last 6 months...
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  • ok, moving onto to the next page... Schedule J--- 2 questions & critique

    Ok, so im filling out J and am stuck on a few things.
    family of 6, only one person works

    does this look right???.... and a few questions in here:

    rent 1,000
    gas/electric 243(budget plan)
    water 60
    telephone 30
    cable 55
    cellular 140...
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  • cjsgac
    started a topic US Trustee Presumption of Abuse

    US Trustee Presumption of Abuse

    Hello,
    We have filed a chapter 7. We received a 707B presumption of abuse statement from the UST. I just checked pacer and the UST has submitted a motion to dismiss our 7 based on abuse. We provided extra documentation relating to higher than allowed utilities, our kids sports etc. We are...
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  • Confusion-No logic-Numbers don't add up

    Real point of this post is confusion.

    How in the world did we ever make ends meet before filing? Yes, we have some money left over at the end of the month now, but not to the tune of the cc payments we were making.

    This is really baffling, looking at it in black and...
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  • Fallonedward
    started a topic Will you look over my expenses and give help

    Will you look over my expenses and give help

    Hi Everyone:

    I will be filing on Nov. 4th, so less then 30 days for me...I just want to make sure I've got everything going right. We had to wait 6 months for severance to drop off. With just my salary I am below the median for a family of 5 in my state.

    We are hoping to use...
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    Last edited by Fallonedward; 10-08-2010, 07:52 PM. Reason: fix an error

  • sunflwrgrl13
    started a topic Expenses Questions

    Expenses Questions

    Ok, have have a few questions about expenses we could include in our Ch.7. I will also be asking our lawyer on Monday when he returns to the office.

    1) Can we include pet care costs? I actually did ask our attorney about this one earlier in the week and he told us that we couldn't and I...
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  • Schedule J - Diapers, Childrens School costs & Haircuts

    We're wondering where to stick some expenses in Schedule J (Chp 7)

    Diapers (Clothing?)
    School costs for kids - books, field trips - (no clue where)
    School Lunch for kids (food?)
    Haircuts (no clue where)
    Haircare products (Food?)
    Cleaning products (Food?)...
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  • sdnatv
    started a topic Tell trustee how I spent refinance proceeds?

    Tell trustee how I spent refinance proceeds?

    My husband and I have a chapter 7 341 meeting next month in California. We both have properties in default which have been previously refinanced. I bought a condo in 2004 when I was single, then refinanced it for an additional $16,000 to $17,000 in 2005, a month before getting married and moving in...
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  • gohornsgo
    started a topic Need Help spending $$ before I file

    Need Help spending $$ before I file

    Sounds kinda odd to have a "too much money' issue prior to filing chapter 7. I am filing in one month in the state of Arizona. I am going to receive about $7000 for my tax refund which is twice what my CPA said to expect. I also received $1500 in an unexpected refund from an attorney on funds...
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