On the expense schedule do you list all the credit card payments or just the necessities to keep the household running?
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Are you talking about the Schedule J ?Attorney Retained/Paid: 1-4-10
Online CCC-Completed & Cert Received: 1-8-10
Filed Chapter 7 1-18-10.
341 3-10-10 ~~~ Last Day to Object: 5-10-10 -
yes...expense scheduleComment
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No credit card payments.Attorney Retained/Paid: 1-4-10
Online CCC-Completed & Cert Received: 1-8-10
Filed Chapter 7 1-18-10.
341 3-10-10 ~~~ Last Day to Object: 5-10-10Comment
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You do not put credit card payments. Schedule J is your expenses after bankruptcy, which will not include cc payments.Comment
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Right, anything that'll be discharged and not reaffirmed, which should be pretty much all your dischargeable unsecured debt, you don't include.Comment
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Well then, I am still confused why I can't put my student loans on there since they can't be discharged....Comment
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Can't you? (You're reading Chapter 7 advice on that, right? 13 may be different, if they can be put into forbearance for the duration of the case.)
Student loans payments can typically be adjusted in an income-sensitive way, which probably complicates things.
The approach varies by district, I thought? Which will you be filing in?Comment
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I was able to include my SL in my expenses, it all depends on what your district/Trustee allows. Your attorney should know what "will fly"........
Good Luck!May 2008 Hired 1st Attorney/Stopped paying CCs
May 21, 2009 Retained 2nd Attorney
May 28th - Filed for Ch 7 (FINALLY!)
9/11/09 - DISCHARGED!!!!
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