Does my J look right

[justplaintired]

The only thing I am wondering is we were told no contribution into 401K during the BK. Did your attorney not question this? Food allowance for a family that size seems under to me.

If your attorney didn't seem to think your expenses would be a problem, I wouldn't worry. However if anything does come up, be prepared to back up what you have claimed. Matter of fact, be prepared to take a larger exemption on food. Keep all your receipts for food for awhile, it might help if the 401K comes into question. We haven't contributed for well over a year now, and our contribution was small compared to yours.

[lrprn]

So if the loans and school fees are not allowed are we completely screwed? Why would our seasoned lawyer have us use them or is this one of those varies by district/case things?

This is one of those things that varies by district. Your lawyer should be familiar with what will fly with your local trustee.

Worst case scenario - let's say your trustee objects to one or both expenses. Your lawyer will then discuss the differences with your trustee. If you have documentation justifying the expenses as reasonable for your family size and neighborhood, then chances are better that your lawyer can win the negotiation and your expenses will be accepted.

[backtoschool]

If the student loans are not alllowed, you have extra food allowance to make up the difference.

If the school expenses are not allowed, I think you will be able to document some of the children's school expenses and some of the extra car expenses to make up the difference.

Your lawyer would know what flies in your district, and you are under 100k in credit card debt so no red flag there.

[stressedNC]

The only thing I am wondering is we were told no contribution into 401K during the BK. Did your attorney not question this? Food allowance for a family that size seems under to me.

We were told the our retirement was fine we even said they could take it we didn't care but we were told it was fine. It seems like I remember him saying we were way under the % allowed on for contribution.

It isn't actually a 401k it is a 403B(with a value of a whopping 1600.00) if any of that makes a difference. I used 401 on here incase some didn't know what a 403 was. It is basically a 401 but it is when your employer is a nonprofit, DH works for a nonprofit private hospital. We did have to bring them a ton of paper work on it so they could find certain wording to exempt it.
Thanks