Question about schedule I. PLEASE HELP!

[aachudneymiles]

ok on schedule J - when its asking for car installment should I put the installment of my car payments even though i plan to put the car in the chapter 7 ? please help.. also what if your negative on you schedule J I just dont want abuse when when are really broken please help

[familyof7]

Are you negative after car pmt? How much do you have left over without car pmt? What is your income do you pass the means test? What state are you in?

[aachudneymiles]

i am in virginia
way below state median
and with car payments iam about 900 neg thats why iam getting rid of the cars. without iam still neg about 50 of soo. was wondering if /i should change some stuff around or just list -900 or so..

thnx for your help

[lrprn]

i am in virginia
way below state median

If you are way below the median, then it's very likely should have stopped filling in the Ch 7 B22A forms at one of two places on the Means Test - Part III Line 15 if you checked the first box, or Part VI Line 55 if you checked the first box. (See http://www.uscourts.gov/rules/BK_For...m_22A_0407.pdf for a copy of the B22A forms.)

You only continue on to finish the rest of the Means Test and Schedules if you show a positive almount on Part VI Line 55 and have to check the second box.

Don't stress yourself trying to fill everything out. Since you're below the VA median, it's very likely not necessary.

[aachudneymiles]

ohh thnx goodness I was killing myself over here.... I did stop on the means test i think after the 2nd part. but i didnt read anything about schedule j --so I thought i was suppose to do it.. but looking at schedule I it looks like the means test bottom parts. I will read the link you gave thnx


update ok read the link and that a meanstest .. it doesnt say anything about schedule J am I missing something?

[lrprn]

update ok read the link and that a meanstest .. it doesnt say anything about schedule J am I missing something?

Filling out the Schedules are only necessary if you show any disposable income on the Means Test (in other words, you checked the second box on Part VI Line 55 which shows your income higher than your initial listing of expenses).

The Schedules are how the trustee figures out exactly how much (if any) disposable income you do have. If the Means Test already shows you have no disposable income, then there's no need to fill out the Schedules.

[aachudneymiles]

I think we are on 2 diffirent pages... I am not speak of the means test I am talking about schedule j Official Form 6J (10/06)
but thnx for your help .. hink iam soo confused I am confusing you... sorry

[lrprn]

I think we are on 2 diffirent pages... I am not speak of the means test I am talking about schedule j Official Form 6J (10/06)
but thnx for your help .. hink iam soo confused I am confusing you... sorry

This Schedule J form, right? http://www.usdoj.gov/ust/eo/bapcpa/d...orm_B6J_V1.pdf

If you say yes, then I will say again that if you did not have to check the second box on the Means Test Part VI Line 55 showing that you do indeed have disposable income, then you do not have to fill this Schedule form or any other Schedule form out. You are supposed to stop at the Means Test and you're done.

If you are filling all these forms out because you are filing Ch 7 without a lawyer (pro se), then call your local bk court clerk or Legal Aid to see if they can help you sort out just what forms are required for you. No sense filling out a bunch of forms that may not be necessary to fill out.

Hang in there - we'll get this figured out yet or keep trying until we do!! lol!

[aachudneymiles]

This Schedule J form, right? http://www.usdoj.gov/ust/eo/bapcpa/d...orm_B6J_V1.pdf

If you say yes, then I will say again that if you did not have to check the second box on the Means Test Part VI Line 55 showing that you do indeed have disposable income, then you do not have to fill this Schedule form or any other Schedule form out. You are supposed to stop at the Means Test and you're done.

If you are filling all these forms out because you are filing Ch 7 without a lawyer (pro se), then call your local bk court clerk or Legal Aid to see if they can help you sort out just what forms are required for you. No sense filling out a bunch of forms that may not be necessary to fill out.

Hang in there - we'll get this figured out yet or keep trying until we do!! lol!

OK yeah i think we got it.. iam almost done too, working on credit matrix, I dont know what i would do without you guys thnx...

[mysterie91]

I found this list to be helpful so far - I am in WNY so this may be different where you are http://www.nywb.uscourts.gov/forms/n...s_and_Fees.pdf

[Chicago]

So if I understand this correctly, if line 15 shows I'm under the state of Illinois median income and the presumption does not arise, I don't have to fill out Schedules I & J? And then I don't need a list of all my exact monthly expenses? I'm retaining a lawyer on Monday but just wanted to clarify this.

Thanks!

Filling out the Schedules are only necessary if you show any disposable income on the Means Test (in other words, you checked the second box on Part VI Line 55 which shows your income higher than your initial listing of expenses).

The Schedules are how the trustee figures out exactly how much (if any) disposable income you do have. If the Means Test already shows you have no disposable income, then there's no need to fill out the Schedules.