Hello,
Just a quick question about the schedule J. My family and I have a usual income of $25000 a year for a family of four in Arizona, so we fall way below the means test for median income. I am currently unemployed but hope not for long I hope. I am confused with the contradicting things I read about schedule J. For the expenses that we have right now being that I am unemployed I spend next to nothing on food and other needs for my family. We plan on filing around Feb 2013, if I am still unemployed would I put the expenses that we currently have that are not enough to support a family for long OR do I put the expenses that my family should have to reasonably support a family of four which is very close to the allowances the state gives me. I am looking to file chapter 7 and would like a financial do over. I can't remember when the last time it was that was debt free. Any body that has been through this please chime in, I would greatly appreciate it. I will give back to the BK forum as much knowledge as I can while going through this ordeal. I find myself staying awake at night reading and reading and getting discouraged and happy and discouraged. I just need help understanding how it works. Thank you for your time and care..
Matt
Just a quick question about the schedule J. My family and I have a usual income of $25000 a year for a family of four in Arizona, so we fall way below the means test for median income. I am currently unemployed but hope not for long I hope. I am confused with the contradicting things I read about schedule J. For the expenses that we have right now being that I am unemployed I spend next to nothing on food and other needs for my family. We plan on filing around Feb 2013, if I am still unemployed would I put the expenses that we currently have that are not enough to support a family for long OR do I put the expenses that my family should have to reasonably support a family of four which is very close to the allowances the state gives me. I am looking to file chapter 7 and would like a financial do over. I can't remember when the last time it was that was debt free. Any body that has been through this please chime in, I would greatly appreciate it. I will give back to the BK forum as much knowledge as I can while going through this ordeal. I find myself staying awake at night reading and reading and getting discouraged and happy and discouraged. I just need help understanding how it works. Thank you for your time and care..
Matt
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