Need help with Schedule "J"

[storesstores]

I have 6 dependents.

I own 2 cars...

This is what I put on schedule J Questionnaire form...

Please give me suggestions!!!


Mortgage...I only listed my homestead monthly mortgage payment...
(Should I list my other mortgage payment also or JUST my homestead?)

Electric for my homestead $194.28 monthly

Water Sewer Garbage for my homestead $120.09

Telephone: $44.67

Celluar: $38.99

Cable TV $82.00

Internet $44.00

Home Maintenance $150 ($75 for my lawn care and $75 for pool care)

Food (6 dependents) $950 per month

Clothing $60.00

Laundry and Dry Cleaning $70.00

Medical and Dental: $20.00

Gas and Repairs for Autos (own 2 cars) $525

Recreation and enterntainment $80

Homeowners Insurance $ 119

Auto Insurance $92.00.41

Child Care $170



Any suggestions?

[lrprn]

You likely have some living expenses missing - check here http://www.ca-bankruptcy-attorneys.c...alculator.html to see what you may have left out.

This area seems off to me - Medical and Dental: $20.00

You have 6 dependents and are going to say you pay an average of $20/month? A total of $240/year for both medical and dental for six people? Your medical seems WAY too low, even if you have great health insurance.

And Storesstores, in other posts you've mentioned that you have a bk lawyer. Your lawyer is familiar with the appropriate levels that will be acceptable in your district. He/she is your very best resource for advice with these figures.

[storesstores]

They allow for tobacco?

[Granny]

I included mine with the groceries.

[SinkingFast]

They allow for tobacco?

Depends on the Court. In tobacco friendly States, you can easily get expense for cigarettes, chew, cigars, you name it. Other Courts, even specific Trustees in Courts, don't allow for tobacco expense at all.

That's a question for attnys in your area. You may have to do like Granny did and hide that expense elsewhere in you budget.