Since we are making considerably less money these days we have been cutting expenses where we can. We bought a voip system (ooma) and it works great so we've dropped our land lines and have no more monthly bill. Also switched to pre-paid cell phone service. The question is will these types of savings...

Filed 13 in northern district of Illinois last week. I'm married, but filed singly. Both myself and my spouse own our vehicles outright. Spouces vehicle is over 6 years old and has over 75,000 miles.

Means test shows negative, but the budget comes out to a payment of about 800 dollars...

I am filing Chapter 7 without an attorney. It is going fine so far; however, I have a couple of questions about Schedule J.

1. Do you include the payments you are no longer making on the outstanding debts you have on the form or only the actual expeditures you are making each month?...