couple of quick expense questions

[zingabot]

I'm working on our Schedule J...(we're pro se):

Our school loan payment is in deferral, but that will end in March. I'm hoping to file the papers this week or next - do I include the loan payment, since it's non-dischargeable and will start up again soon?

We'll be surrendering our van but hopefully keeping the car. Do I include the car insurance cost of the van in the "insurance" field or subtract its portion out?

We hope to reaffirm on the car. Do I include its payment in the "installment loans" area? I would think I want to, to show we can afford it...?

Thanks!

[ecsclb1724]

I did not include my student loans in my schedule J. I got a lot of conflicting answers during my research and mine are currently deferred for at least another 12 months so I didn't put them on there.

I would put the entire cost of insurance in. You don't know how long it will take them to repossess the van and you'll want insurance on it until then.

Yes, put the cost of the reaffirmed loan in the installment loan section.