Few More Questions...

[synergy]

1. If I have monthly expenses such as Storage & Cell Phone should these be included and if so, where?

2. I have payday loans (part of the reason I'm filing) should they be listed under income? what about under installment payments for the payments I've made?

3. Should I put the expense for Form7.com as one of my bankruptcy costs?

4. I'm confused about the section on the "statement of affairs" where it asks you to list payments to creditors:
List all payments on loans, installment purchases of goods or services, and other debts, aggregating more than $600 to any creditor, made within 90 days immediately preceding the commencement of this case.

Does this mean any payments OVER $600?


I guess I'm confused about whether I'm filling this out based on what I HAVE been paying versus what I WILL be paying post BK.

Thanks again!

[HHM]

1. Yes, they should be included because they are monthly expense. All monthly expenses go on Schedule J, as to specifics, generally, I put cell phone under "other utilities" and the storage can just go as other.

2. Why would pay day loans be income, they are debt like any other debt, you list them in your schedule of unsecured creditors.

3. No

4. It means for any single creditor, have you paid them more than $600 in total in the last 90 days, For Example, if you made 3 payments to AMEX of $250 each in the last 90 days, then you would put "yes" and list Amex.

[synergy]

Why would pay day loans be income, they are debt like any other debt, you list them in your schedule of unsecured creditors.

I asked because I'm worried that they will questions the multiple deposits into my account.