Please have a look at my schedule J and maybe answer a few questions. Thanks
2 person household & live with relatives.
Rent: 150
Electricity & Heating Fuel: 145
Water & Sewer: 25
Home Maintenance: 20
Grocery & Lunch: 454
Clothing: 100 (Too Much?)
Laundry & Dry Cleaning: 30
Medical Dental: 90 (Too Much?)
Transportation: 425 (Driving is a requirement & have receipts)
Recreation: 20
Charity: 40
Health Insurance: 264
Auto Insurance: 110
Car Payment: 450
other: Cellphone(110), Satellite(50): 160
Total Expenses: 2483
Means Test DMI: -608
Schedule J DMI: -136.56
Do you think the trustee will even bother with me after they see my numbers?
I only have 4 more questions I promise, lol:
1) I have student loan payments of $100/month but I can't use them as an expense,
Correct?
2) I received a raise today so I recalculated my schedule I. Another poster explained
I would calculate over a year. Average hours x rate = weekly; weekly x 52 divided
by 12 = average monthly projected income. Is that how it's done?
3) I have no receipts for paying money to relatives could I get a receipt book and
have them back date for a least the past 6 months. Would that be considered
fraud since I didn't receive them when I actually paid.
4) Would I include any past bonuses/other income on my schedule I if it's already on
the means test. Schedule I looks to the future, right.
I appreciate anyone's help and thanks again.
2 person household & live with relatives.
Rent: 150
Electricity & Heating Fuel: 145
Water & Sewer: 25
Home Maintenance: 20
Grocery & Lunch: 454
Clothing: 100 (Too Much?)
Laundry & Dry Cleaning: 30
Medical Dental: 90 (Too Much?)
Transportation: 425 (Driving is a requirement & have receipts)
Recreation: 20
Charity: 40
Health Insurance: 264
Auto Insurance: 110
Car Payment: 450
other: Cellphone(110), Satellite(50): 160
Total Expenses: 2483
Means Test DMI: -608
Schedule J DMI: -136.56
Do you think the trustee will even bother with me after they see my numbers?
I only have 4 more questions I promise, lol:
1) I have student loan payments of $100/month but I can't use them as an expense,
Correct?
2) I received a raise today so I recalculated my schedule I. Another poster explained
I would calculate over a year. Average hours x rate = weekly; weekly x 52 divided
by 12 = average monthly projected income. Is that how it's done?
3) I have no receipts for paying money to relatives could I get a receipt book and
have them back date for a least the past 6 months. Would that be considered
fraud since I didn't receive them when I actually paid.
4) Would I include any past bonuses/other income on my schedule I if it's already on
the means test. Schedule I looks to the future, right.
I appreciate anyone's help and thanks again.
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