South Dakota Current Expenditures of Individual Debtors — Schedule — - Form 6J - Post 2005 is a document that individuals filing for bankruptcy in South Dakota are required to complete. This form allows debtors to outline their current monthly expenses, helping the bankruptcy court determine their ability to repay creditors or qualify for certain bankruptcy chapters. The South Dakota Current Expenditures of Individual Debtors — Schedule — - Form 6J - Post 2005 covers various types of expenses that debtors may have. Some common categories found on this form may include: 1. Housing Expenses: This includes rent or mortgage payments, property taxes, insurance premiums, and maintenance costs associated with the debtor's primary residence or other properties they may own. 2. Utilities: Debtors must disclose their monthly utility expenses, such as electricity, gas, water, and sewer bills. 3. Transportation: Debtors need to detail expenses related to their vehicles, such as car loan or lease payments, gasoline, car insurance premiums, maintenance, and registration fees. 4. Food and Household Supplies: This category captures expenses related to grocery shopping, dining out, and other household necessities. 5. Medical and Healthcare: Debtors can list their medical expenses, including health insurance premiums, prescription medication costs, and out-of-pocket medical expenses. 6. Personal Care: This includes expenses for personal grooming, haircuts, salon services, and other personal care items. 7. Childcare and Education: Debtors who have dependent children can provide information about childcare costs, school tuition, and other related educational expenses. 8. Insurance: Debtors must disclose all insurance premiums they pay monthly, such as life insurance, disability insurance, or any other coverage they may have. 9. Taxes: This category includes ongoing tax payments, including any personal income tax, property tax, or vehicle registration taxes. 10. Recreation and Entertainment: Debtors can account for any expenses related to recreational activities and entertainment, such as gym memberships, hobbies, streaming services, or cable TV bills. It's important to note that these categories may vary slightly depending on the specific version of the South Dakota Current Expenditures of Individual Debtors — Schedule — - Form 6J used post-2005. Debtors should carefully review the instructions provided with the form to ensure accurate and complete disclosure. By completing this form accurately, individuals can provide a comprehensive overview of their current expenditures to the bankruptcy court, enabling the court to evaluate their financial situation and make informed decisions during the bankruptcy proceedings.
South Dakota Current Expenditures of Individual Debtors - Schedule J - Form 6J - Post 2005
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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-2: Expenses for Separate Household of Debtor 2 (individuals)
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.
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.
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.