Official Form 106J Schedule J: Your Expenses page 1
Official Form 106J
Schedule J: Your Expenses 12/15
Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct
information. If more space is needed, attach another sheet to this form. On the top of any additional pages, write your name and case number
(if known). Answer every question.
Part 1: Describe Your Household
1. Is this a joint case?
No. Go to line 2.
Yes. Does Debtor 2 live in a separate household?
No
Yes. Debtor 2 must file Official Form 106J-2, Expenses for Separate Household of Debtor 2.
2. Do you have dependents?
Do not list Debtor
1 and
Debtor 2.
Do not state the dependents’
names.
No
Yes. Fill out this information for
each dependent ..........................
Dependent’s relationship to
Debtor 1 or Debtor 2
Dependent’s
age
Does dependent live
with you?
_________________________ ________
No
Y
es
_________________________ ________
No
Yes
_________
________________ ________
No
Yes
_________________________ ________
No
Yes
_________
________________ ________
No
Yes
3. Do your expenses include
expens
es of people other than
yourself and your dependents?
No
Yes
Part 2: Estimate Your Ongoing Monthly Expenses
Estimate your expenses as of your bankruptcy filing date unless you are using this form as a supplement in a Chapter 13 case to report
expenses as of a date after the bankruptcy is filed. If this is a supplemental Schedule J, check the box at the top of the form and fill in the
applicable date.
Include expenses paid for with non-cash government assistance if you know the value of
such assistance and have included it on Schedule I: Your Income (Official Form 106I.)
Your expenses
4. The rental or home ownership expenses for your residence. Include first mortgage payments and
an
y rent for the ground or
lot.
4.
$________
_____________
If not included in line 4:
4a. Real estate taxes 4a. $_____________________
4b. Property, homeowner’s, or renter’s insurance 4b. $_____________________
4c. Home maintenance, repair, and upkeep expenses 4c. $_____________________
4d. Homeowner’s association or condominium dues 4d. $_____________________
Debtor 1 __________________________________________________________________
First Name Middle Name Last Name
Debtor 2 ________________________________________________________________
(Spouse, if filing) First Name Middle Name Last Name
United States Bankruptcy Court for the: __________ District of __________
Case number ___________________________________________
(If known)
Fill in this information to identif
y
y
our case:
Check if this is:
An amended filing
A supplement showing postpetition chapter 13
expenses as of the following date:
________________
MM / DD / YYYY
__________ District of __________
Debtor 1 _______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name
Official Form 106J Schedule J: Your Expenses page 2
Your expenses
5. Additional mortgage payments for your residence, such as home equity loans 5.
$_____________________
6. Utilities:
6a. Electricity, heat, natural gas 6a. $_____________________
6b. Water, sewer, garbage collection 6b. $_____________________
6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $_____________________
6d. Other. Specify: _______________________________________________ 6d. $_____________________
7. Food and housekeeping supplies 7. $_____________________
8. Childcare and children’s education costs 8. $_____________________
9. Clothing, laundry, and dry cleaning 9. $_____________________
10. Personal care products and services 10. $_____________________
11. Medical and dental expenses 11. $_____________________
12. Transportation. Include gas, maintenance, bus or train fare.
Do not include car payments.
12.
$_____________________
13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $_____________________
14. Charitable contributions and religious donations 14. $_____________________
15. Insurance.
Do not include insurance deducte
d from your pay or included in lines 4 or 20.
1
15a. Life insurance 15a. $_____________________
15b. Health insurance 15b. $_____________________
15c. Vehicle insurance 15c. $_____________________
15d. Other insurance. Specify:_______________________________________ 15d. $_____________________
16. Taxes. Do not include taxes deducted from your pay or included in lines 4 or 20.
Specify: ________________________________________________________ 16.
$________
_____________
17. Installment or lease payments:
17a. Car payments for Vehicle 1 17a.
$_____________________
17b. Car payments for Vehicle 2 17b.
$_____________________
17c. Other. Specify:_______________________________________________ 17c.
$_____________________
17d. Other. Specify:_______________________________________________ 17d.
$_____________________
18. Your payments of alimony, maintenance, and support that you did not report as deducted from
your pay on line 5, Schedule I, Your Income (Official Form 106I).
18.
$________
_____________
19. Other payments you make to support others who do not live with you.
Specify:_______________________________________________________ 19. $_____________________
20. Other real property expenses not included in lines 4 or 5 of this form or on Schedule I: Your Income.
20a. Mortgages on other property 20a.
$_____________________
20b. Real estate taxes 20b.
$_____________________
20c. Property, homeowner’s, or renter’s insurance 20c.
$_____________________
20d. Maintenance, repair, and upkeep expenses 20d.
$_____________________
20e. Homeowner’s association or condominium dues 20e.
$_____________________
Debtor 1 _______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name
Official Form 106J Schedule J: Your Expenses page 3
21. Other. Specify: _________________________________________________ 21.
+$_____________________
22. Calculate your monthly expenses.
22a. Add lines 4 through 2
1.
22a.
22b. Copy line 22 (monthly expenses for Debtor 2), if any, from Official Form 106J-2
22b.
22c. Add line 22a and 22b. The result is your monthly exp
enses.
22c.
$_____________________
$_____________________
$_____________________
23. Calculate your monthly net income.
23a.
Copy line 12 (your combined monthly income) from
Schedule I.
23a.
$_____________________
23b. Copy your monthly expenses from line 22c above. 23b.
$_____________________
23c. Subtract your monthly expenses from your monthly income.
The result is your monthly net income.
23c.
$_____________________
24. Do you expect an increase or decrease in your expenses within the year after you file this form?
For e
xample, do you expect to finish paying for your car loan within the year or do you expect
your
mortgage p
ayment to increase or decrease because of a modification to the terms of your mortgage?
No.
Yes.
Explain here:
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