Bankruptcy B6J 2007 free printable template
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Laws calm legal forms guide schedule J which lists the current expenditures of individual debtors is one of the bankruptcy forms six schedules that will offer information about your financial predicament on this form all of your expenses should be calculated on a monthly basis using the past six months of expenditures as a basic guideline before beginning to file the form b dash 6j schedule j current expenditures of individual debtors petition you must gather all necessary materials to expedite the process collecting necessary paperwork to calculate your monthly expenses is vital the following documents or income statements should be gathered to streamline this process your mortgage statement this is obviously not applicable if you rent all of your utilities bills including electricity and gas water telephone cable and all bills associated with trash collection all of your receipts for all expenditures for the past six months records for any charitable contributions that you may have made insurance statements for health auto life and others all payments tubs or documents associated with loans your bank statements for the last six months when you have gathered the above information form b dash 6j schedule j requires you to calculate your monthly expenses for each line on schedule j add up the total expenditures for the last six months once you have done this find the monthly average by dividing this sum by six in this section some expenses may not be paid on a monthly basis when this occurs prorated these expenditures by multiplying the number of payments made in a year by dividing by 12 when filing this information be sure not to duplicate expenses some expenses such as homeowners insurance may fit into multiple categories only calculate these items once income taxes for instance that are withheld from your paychecks should not be included on multiple lines in addition to avoiding duplicates be sure not too over or underestimate your expenses you must be accurate and inclusive when entering this information to watch more videos please make sure to visit laws calm
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