Official Form B 6J PDF Details

In navigating the complexities of bankruptcy, one critical aspect that individuals must consider is the management and accurate representation of their expenses. The Official Form B 6J, known as Schedule J: Your Expenses, serves as a vital tool in this process. Required by the United States Bankruptcy Court, this form is designed to detail the ongoing monthly expenditures of those filing for bankruptcy, ensuring that all financial obligations and living costs are transparently accounted for. With sections dedicated to both basic and specific expenses—from housing and utilities to childcare, healthcare, and transportation—Schedule J comprehensively covers the spectrum of an individual's or household's financial outlay. It accounts for not only personal and dependent expenses but also delineates provisions for amended filings or supplements related to Chapter 13 post-petition expenses. The form further encourages accuracy and completeness, emphasizing the responsibility of spouses filing together to provide correct information. Additionally, Schedule J facilitates forward-looking financial planning by inquiring about expected changes in expenses. Through its detailed structure, the form functions as a critical component in assessing the financial situation of debtors, ultimately informing the bankruptcy proceedings and associated decisions by the court.

QuestionAnswer
Form NameOfficial Form B 6J
Form Length3 pages
Fillable?No
Fillable fields0
Avg. time to fill out45 sec
Other namesform b6j, official form b6j, form 6j pdf, b6j official form 6j 12 07

Form Preview Example

Fill in this information to identify your case:

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)

Official Form B 6J

Schedule J: Your Expenses

Check if this is:

An amended filing

A supplement showing post-petition chapter 13 expenses as of the following date:

________________

MM / DD / YYYY

A separate filing for Debtor 2 because Debtor 2 maintains a separate household

12/13

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 a separate Schedule J.

2. Do you have dependents?

 

No

Dependent’s relationship to

 

Dependent’s

 

Does dependent live

 

 

 

 

 

Do not list Debtor 1 and

 

Yes. Fill out this information for Debtor 1 or Debtor 2

 

age

 

with you?

 

Debtor 2.

 

each dependent

 

 

 

 

 

 

 

 

 

 

 

 

No

 

Do not state the dependents’

 

 

_________________________

________

 

 

 

 

 

 

 

Yes

 

 

 

 

 

 

names.

 

 

 

 

 

 

 

 

 

 

_________________________

________

 

 

No

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Yes

 

 

 

 

 

 

 

 

 

 

 

 

 

_________________________

________

 

 

No

 

 

 

 

 

 

 

 

 

 

 

 

Yes

 

 

 

 

 

 

 

 

 

 

 

 

 

_________________________

________

 

 

No

 

 

 

 

 

 

 

 

 

 

 

 

Yes

 

 

 

 

 

 

 

 

 

 

 

 

 

_________________________

________

 

 

No

 

 

 

 

 

 

 

 

 

 

 

 

Yes

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

3. Do your expenses include

 

No

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

expenses of people other than

 

 

 

 

 

 

 

 

 

Yes

 

 

 

 

 

 

 

yourself and your dependents?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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 B 6I.)

 

Your expenses

 

 

4. The rental or home ownership expenses for your residence. Include first mortgage payments and

 

$_____________________

any 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.

$_____________________

 

 

 

 

Official Form B 6J

Schedule J: Your Expenses

 

page 1

Debtor 1

_______________________________________________________

Case number (if known)_____________________________________

 

First Name

Middle Name

Last Name

 

 

 

 

 

 

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.

 

1

 

 

 

Do not include insurance deducted from your pay or included in lines 4 or 20.

 

 

 

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

18.

$_____________________

from your pay on line 5, SCHEDULE I, YOUR INCOME (Official Form B 6I).

 

 

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.

$_____________________

 

 

 

 

Official Form B 6J

Schedule J: Your Expenses

page 2

Debtor 1

_______________________________________________________

 

First Name

Middle Name

Last Name

21.Other. Specify: _________________________________________________

22.Your monthly expenses. Add lines 4 through 21.

The result is your monthly expenses.

23.Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I.

23b. Copy your monthly expenses from line 22 above.

Case number (if known)_____________________________________

21.+$_____________________

$_____________________

22.

23a. $_____________________

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 example, do you expect to finish paying for your car loan within the year or do you expect your mortgage payment to increase or decrease because of a modification to the terms of your mortgage?

No. Yes.

Explain here:

Official Form B 6J

Schedule J: Your Expenses

page 3

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This PDF form requires particular info to be filled in, hence you must take whatever time to provide what is requested:

1. To start with, while filling in the official form b 6j, start in the form section that features the next blank fields:

Filling out part 1 in form b6j

2. Once your current task is complete, take the next step – fill out all of these fields - Do not state the dependents names, No Yes No Yes No Yes No, Do your expenses include, expenses of people other than, No Yes, Part, Estimate Your Ongoing Monthly, Estimate your expenses as of your, expenses as of a date after the, applicable date, Include expenses paid for with, The rental or home ownership, any rent for the ground or lot, If not included in line, and a Real estate taxes with their corresponding information. Make sure to double check that everything has been entered correctly before continuing!

form b6j writing process explained (step 2)

When it comes to If not included in line and Part, make sure you don't make any errors in this current part. The two of these are considered the key fields in the PDF.

3. Completing c Home maintenance repair and, d Homeowners association or, Official Form B J, Schedule J Your Expenses, and page is essential for the next step, make sure to fill them out in their entirety. Don't miss any details!

form b6j completion process explained (portion 3)

4. The following subsection needs your input in the subsequent areas: Debtor, First Name, Middle Name, Last Name, Additional mortgage payments for, Utilities, a Electricity heat natural gas, b Water sewer garbage collection, c Telephone cell phone Internet, d Other Specify, Food and housekeeping supplies, Childcare and childrens education, Clothing laundry and dry cleaning, Personal care products and, and Medical and dental expenses. Just be sure you enter all of the requested information to move further.

Step # 4 of submitting form b6j

5. To wrap up your form, this particular section features a number of additional blanks. Entering Charitable contributions and, Insurance Do not include insurance, a Life insurance, b Health insurance, c Vehicle insurance, d Other insurance Specify, Taxes Do not include taxes, Specify, Installment or lease payments, a Car payments for Vehicle, b Car payments for Vehicle, c Other Specify, d Other Specify, and Your payments of alimony is going to finalize the process and you'll certainly be done in an instant!

c Other Specify, Specify, and Insurance Do not include insurance inside form b6j

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