Our attorney emailed us a copy of our petition tonight. I'm hoping this means we'll be filed any second, lol!
I do have a question for anyone here that may know. Our attorney stated "none" in answer to prior bankruptcies in the past eight years. We are one month and eight days past the eight year mark for our last bk. I'm assuming his answer is correct?
Anyway...our schedule J looks nothing like I thought it would. Though I think it looks good. Everything seems ok number wise except for our Line 4 for food. He put $600 for a family of 5. I can see that he took the amount we stated that we spend on food ($900 plus another $120 for school lunches) and borrowed some of that to fill out the medical/home maintenance/clothing/laundry lines. We do borrow from our grocery money to cover these expenses when they arise.
He then took some of our stated pet expenses and added that to our transportation costs to end up with $300 for transportation for two cars leaving our pet expenses at $70 instead of the actual $120. He also wiggled enough out of every category to give us a $150 entertainment expense which raised my eyebrow a bit but I know I have to trust him. I had put zero for entertainment.
The $600 for food though just doesn't seem believable to me. The trustee is going to think we eat like birds or I am an unbelievable bargain shopper which I'm not, lol!
Anyway, we wound up with a -$9.20 DMI.
I played with our schedule J every night for weeks on end and never came up with what he came up with.
He's good. Or at least I think so.
I do have a question for anyone here that may know. Our attorney stated "none" in answer to prior bankruptcies in the past eight years. We are one month and eight days past the eight year mark for our last bk. I'm assuming his answer is correct?
Anyway...our schedule J looks nothing like I thought it would. Though I think it looks good. Everything seems ok number wise except for our Line 4 for food. He put $600 for a family of 5. I can see that he took the amount we stated that we spend on food ($900 plus another $120 for school lunches) and borrowed some of that to fill out the medical/home maintenance/clothing/laundry lines. We do borrow from our grocery money to cover these expenses when they arise.
He then took some of our stated pet expenses and added that to our transportation costs to end up with $300 for transportation for two cars leaving our pet expenses at $70 instead of the actual $120. He also wiggled enough out of every category to give us a $150 entertainment expense which raised my eyebrow a bit but I know I have to trust him. I had put zero for entertainment.
The $600 for food though just doesn't seem believable to me. The trustee is going to think we eat like birds or I am an unbelievable bargain shopper which I'm not, lol!
Anyway, we wound up with a -$9.20 DMI.
I played with our schedule J every night for weeks on end and never came up with what he came up with.
He's good. Or at least I think so.
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