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    #1

    Reasonable Expenditures

    Family size is 2 (one adult and one child) in Walton County, Georgia. I have filed chapter 7 and now anxiously await the 01/23/2009 341 Meeting. Do you think my expenditures will raise any eyebrows? *Note* Utilities include; Gas, electric, cable, internet, water, sewer and trash (all on one bill)
    • Rent $215
    • Utilities $400 (all utilities are on one bill)
    • Home Telephone $35
    • Other (Cell) $53
    • Home Maintenance $100
    • Food $400
    • Clothing $90
    • Laundry & Dry Cleaning $30
    • Medical/Dental Expenses $40
    • Transportation (no counting car payment) $300
    • Auto Insurance $81
    • Ad Valorem Tax $12
    • Auto Payment $300
    • Child Support $575
    • Personal Grooming $50

    Totaling $2681 Income $2706 Monthly Net $25
    Tags: None
    #2
    The only questionable number I see is the $100 maintenance. Can you explain what that's for? If you rent, wouldn't any repairs/maitenance be completed by the managment/landlord? There is usually no cost to the tenant(s) for these.

    The other number is the $90 in clothing.
    Bankruptcy History:
    Chapter 7 filed - 10/12/2005 - Asset
    Discharged - 02/16/2006
    Case Closed - 11/08/2007

    A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain ~ Mark Twain

    All suggestions are based on personal experience and research and SHOULD NOT be construed as legal advice as I am NOT an attorney. Always consult with competent counsel in your area with regards to your particular situation.

    Comment

      #3
      I own a single wide mobile home... trust me, I paid a $1000 for it so it needs a LOT of maintenance. I think I'll snap a few photos to bring with me in case the trustee questions it. Trust me it is far from fancy. It is a 1987 model with a fancy wood floor in the master bedroom... PLYWOOD (I can't afford the carpet, yet.) The $215 rent is lot rent for the trailer.

      You could be right on the $90 for clothes. I am not certain where that came from, I'll have to ask my attorney where he got that. I could probably show that if needed because I am required to dress professionally plus I have a six year old that outgrows EVERYTHING.

      But even if the trustee disallowed the clothing or reduced it, hopefully it wouldn't be enough to put me into chapter 13. I so want this over with.

      Than you for the comments.

      Comment

        #4
        Okay, I see........you're responsible for the maintenance then, correct? If so, then the $100 is reasonable I suppose.
        Bankruptcy History:
        Chapter 7 filed - 10/12/2005 - Asset
        Discharged - 02/16/2006
        Case Closed - 11/08/2007

        A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain ~ Mark Twain

        All suggestions are based on personal experience and research and SHOULD NOT be construed as legal advice as I am NOT an attorney. Always consult with competent counsel in your area with regards to your particular situation.

        Comment

          #5
          I think

          The expenses look fine and the clothing amount when you have a little one seems fine to me.

          Good Luck!!!

          B
          B x
          filed Ch 7 Oct 31st 2008.
          341 Dec 10th 2008.
          DiSCHARGED Feb 10th 2009

          Comment

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