This form is Schedule J. The form lists the current expenditures of individual debtor(s). Some of the current expenditures listed are: mortgage payments, food, clothing, and transportation. This form is data enabled to comply with CM/ECF electronic filing standards. This form is for post 2005 act cases.
Nevada Current Expenditures of Individual Debtors - Schedule J - Form 6J - Post 2005
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This is an Official Bankruptcy Form. Official Bankruptcy Forms are approved by the Judicial Conference and must be used under Bankruptcy Rule 9009.
Schedule J: Your Expenses (Official Form 106J) provides an estimate of the monthly expenses, as of the date you file for bankruptcy, for you, your dependents, and the other people in your household whose income is included on Schedule I: Your Income (Official Form 106I).
Schedule J and its instructions guide you through calculation of tax on your current year elected farm income as well as the three base years to calculate your averaged income.
Schedule J-2: Expenses for Separate Household of Debtor 2 (individuals)
?There are ways to qualify for a Chapter 7 bankruptcy even if your income is higher than the state median for a family your size,? Latham said. ?For example, you can deduct eligible expenses, such as your mortgage, car payments, health and life insurance premiums, taxes, child care, and charitable contributions.?
About 45 days after you've received your discharge, you will receive a document called a Final Decree. It's the document that officially closes your case. Once this document is received, you are no longer in bankruptcy.
Schedule J helps the bankruptcy trustee determine your disposable income, which is the amount of money you have left over each month after paying your necessary expenses.
Some of the monthly expenses that are listed on your Schedule J include your rent or mortgage payments, upkeep expenses on your home, utilities, food, gas, telephone, water, car maintenance, childcare, clothing, laundry, and vehicle maintenance. Basically, the money you spend just to live each month is listed here.