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    Expense Question

    Hi:
    Wondering if the followings would be household expense in BK case?
    1. Kids' School Lunch (high school lunch $100 per month)
    2. Summer school or sport clinics for kids (~$65)
    3. chiropractor's visit, massage therapy sessions $140 per month
    if yes, how do they fit in Schedule J????
    as always, I appreciate your replies.
    I am NOT an attorney, anything I say here is not a legal advice.

    #2
    Ultimately the one person with the best viewpoint of what will be acceptable for expenses in your local court is your own lawyer. What does he/she say?

    Having said that, going on what other members have posted before and what I've read online in other cases:

    1. Kids' school lunch money - yes, this will be allowed. These costs are included in your food living expenses.

    2. Summer school - depends on your trustee and your child's circumstances. Most summer school is not necessary if the hours can be done during the regular school year. Sports clinics - most trustees will see these as optional and may challenge including them openly. The clinic costs may be able to be included in recreation/entertainment expenses - ask your lawyer.

    3. Chiropractor/massage therapy sessions - if a qualified physician will confirm in writing to the court that the sessions are required therapy due to ongoing health issues, then they will be accepted. If they are voluntary on your part, then a trustee may decide these are optional activities as well and challenge them. If you can include the costs of these sessions in your standard medical expenses and stay within the "norm" for your community, then you might be ok. Again, a question for your lawyer.
    I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

    06/01/06 - Filed Ch 13
    06/28/06 - 341 Meeting
    07/18/06 - Confirmation Hearing - not confirmed, 3 objections
    10/05/06 - Hearing to resolve 2 trustee objections
    01/24/07 - Judge dismisses mortgage company objection
    09/27/07 - Confirmed at last!
    06/10/11 - Trustee confirms all payments made
    08/10/11 - DISCHARGED !

    10/02/11 - CASE CLOSED
    Countdown: 60 months paid, 0 months to go

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