Filing out Schedule J (Current Expenses) and realizing just how broke I am. My lease will expire about two months from now - probably before I could get a final discharge. I'm facing a rent increase at lease renewal.
As I fill out Schedule J with today's expenses I am budgeted within $6 of my take home pay. The rent increase will have me spending more money than I take in.
Anyone know how the trustee will react if I take in a roommate at lease renewal? New rent will be $800 monthly. Say will split the rent 50/50. This would lower my expenses and get me off the shoestring budget but would the trustee see me as now having $400 of disposable income for creditors?
Does it even matter AFTER I file my petition?
On the one hand, today's expenses are honest and legit at the time of filing. On the other hand, I don't want my petition thrown out for abuse or converted to Chapter 13. Having a roommate by the time I get to my creditor meeting would change the dynamic of Schedule J.
As I fill out Schedule J with today's expenses I am budgeted within $6 of my take home pay. The rent increase will have me spending more money than I take in.
Anyone know how the trustee will react if I take in a roommate at lease renewal? New rent will be $800 monthly. Say will split the rent 50/50. This would lower my expenses and get me off the shoestring budget but would the trustee see me as now having $400 of disposable income for creditors?
Does it even matter AFTER I file my petition?
On the one hand, today's expenses are honest and legit at the time of filing. On the other hand, I don't want my petition thrown out for abuse or converted to Chapter 13. Having a roommate by the time I get to my creditor meeting would change the dynamic of Schedule J.
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