Means Test Question

[ConfusedinOC]

Currently my property taxes and insurance are not impounded and are paid separately. Going through the means test I do not see where I would input the property taxes and home insurance as a separate expense. All I see is Line 42 which asks for your payment and whether it includes taxes and inurance. Could I add the property tax and insurance to the mortgage and insert this value at line 42?

[2manybills]

That's how my property taxes are and no, my attorney did not list them on my means test, but they were included in my Schedule J.

[ConfusedinOC]

I would need to include them on the means test so that I can pass and file a Chapter 7. Has anyone tried setting up an escrow account with their lender?

[sunshinepa]

On the Nolo Means Test, there is a place at the end for "additional expenses", I would add them there. It's what I did for an odd expense even though I had already only had DMI of 38.00.......LOL

[justbroke]

I would add them to the amount due on line 42 and check the box "includes tax and insurance". It's that simple.