Official Form 106J, Schedule J: Your Expenses Instructions
This form contains 90 fields organized into 33 sections. Below is a complete list of every field, its type, and what information is expected.
| Field Name | Type | Description |
|---|---|---|
| Additional Mortgage Payments | ||
| Additional Mortgage Payments | Number |
Enter the total amount for additional mortgage payments for your residence, such as home equity loans.
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| Alimony, Maintenance, and Support Payments | ||
| 18. Alimony, Maintenance, and Support Payments | Number |
Please enter the total amount of your alimony, maintenance, and support payments that you did not report as deducted from your pay on line 5, Schedule I, Your Income (Official Form 1061).
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| Case Identification | ||
| Debtor 1 Full Name | Text |
Enter the full name of Debtor 1, including their first, middle, and last name.
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| Debtor 2 Full Name | Text |
Enter the full name of Debtor 2 (Spouse, if filing), including their first, middle, and last name.
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| Case Number | Text |
Provide the case number, if known.
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| Charitable Contributions | ||
| 14. Charitable Contributions | Number |
Enter the total amount for charitable contributions and religious donations.
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| Childcare and Children's Education Costs | ||
| Childcare and Children's Education Costs | Number |
Provide the total amount for childcare and children's education costs. Fill only if 'Do you have dependents?' is 'Yes'.
Depends on:
Dependent Status Yes
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| Clothing, Laundry, and Dry Cleaning | ||
| 9. Clothing, Laundry, and Dry Cleaning Expense | Number |
Enter the total amount spent on clothing, laundry, and dry cleaning expenses.
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| Debtor 2 Household Status | ||
| Debtor 2 Not Separate Household | Checkbox |
Check this box if Debtor 2 does not live in a separate household. Fill only if 'Yes' is 'Yes'.
Depends on:
Yes
|
| Debtor 2 Separate Household | Checkbox |
Check this box if Debtor 2 lives in a separate household and must file Official Form 106J-2, Expenses for Separate Household of Debtor 2. Fill only if 'Yes' is 'Yes'.
Depends on:
Yes
|
| Dependent Status | ||
| Dependent Status No | Checkbox |
Check this box if you do not have any dependents.
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| Dependent Status Yes | Checkbox |
Check this box if you have dependents and need to provide their information in the table below.
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| Entertainment and Recreation Expenses | ||
| Entertainment, Clubs, Recreation, Newspapers, Magazines, and Books Expense | Number |
Enter the total amount spent on entertainment, clubs, recreation, newspapers, magazines, and books.
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| Expected Change in Expenses | ||
| No Expected Change | Checkbox |
Check this box if you do not expect an increase or decrease in your expenses within the year after you file this form.
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| Yes Expected Change | Checkbox |
Check this box if you expect an increase or decrease in your expenses within the year after you file this form.
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| Explanation of Expected Change | Text |
Provide a detailed explanation for any expected increase or decrease in expenses within the year after filing this form. Fill only if 'Yes Expected Change' is 'Yes'.
Depends on:
Yes Expected Change
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| Fifth Dependent Information | ||
| Fifth Dependent's Relationship | Text |
Enter the fifth dependent's relationship to Debtor 1 or Debtor 2. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
|
| Fifth Dependent's Age | Text |
Enter the fifth dependent's age. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Fifth Dependent Lives With You - No | Checkbox |
Check this box if the fifth dependent does not live with you. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Fifth Dependent Lives With You - Yes | Checkbox |
Check this box if the fifth dependent lives with you. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Filing Status | ||
| Amended Filing | Checkbox |
Check this box if the current submission is an amendment to a previously filed document.
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| Supplement for Postpetition Chapter 13 Expenses | Checkbox |
Check this box if you are providing a supplement that details postpetition Chapter 13 expenses, and then specify the effective date for these expenses.
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| Supplement Filing Date | Date |
Enter the date for the supplement showing postpetition chapter 13 expenses. Fill only if 'Supplement for Postpetition Chapter 13 Expenses' is 'Yes'.
Depends on:
Supplement for Postpetition Chapter 13 Expenses
|
| First Dependent Information | ||
| First Dependent Relationship | Text |
Enter the first dependent's relationship to Debtor 1 or Debtor 2. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
|
| First Dependent Age | Text |
Enter the first dependent's age. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
|
| First Dependent Lives With You - No | Checkbox |
Check this box if the first dependent does not live with you. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| First Dependent Lives With You - Yes | Checkbox |
Check this box if the first dependent lives with you. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Food and Housekeeping Supplies | ||
| Food and Housekeeping Supplies Amount | Number |
Enter the total amount spent on food and housekeeping supplies.
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| Fourth Dependent Information | ||
| Fourth Dependent's Relationship | Text |
Provide the fourth dependent's relationship to Debtor 1 or Debtor 2. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
|
| Fourth Dependent's Age | Text |
Enter the fourth dependent's age. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Fourth Dependent Does Not Live With You | Checkbox |
Check this box if the fourth dependent listed does not live with you. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Fourth Dependent Lives With You | Checkbox |
Check this box if the fourth dependent listed lives with you. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| General | ||
| Bankruptcy Court | Combobox |
Enter the name of the United States Bankruptcy Court where the case is filed.
District of Guam
Northern District of Georgia
District of Alaska
Eastern District of Texas
Eastern District of New York
District of Delaware
Southern District of Florida
Southern District of Iowa
Middle District of Alabama
Western District of Oklahoma
Southern District of West Virginia
District of Connecticut
Eastern District of Kentucky
Southern District of Mississippi
Eastern District of Michigan
__________ District of __________
District of Vermont
Western District of North Carolina
Southern District of Georgia
Northern District of Florida
Northern District of Indiana
Western District of Washington
Northern District of New York
Eastern District of Wisconsin
District of Virgin Islands
District of Nevada
District of Kansas
Western District of Wisconsin
Western District of Kentucky
Southern District of New York
District of Columbia
District of Idaho
Middle District of Pennsylvania
Eastern District of Tennessee
Northern District of Mississippi
Northern District of Illinois
Western District of Pennsylvania
District of South Dakota
Middle District of North Carolina
Western District of Tennessee
District of Colorado
Southern District of Indiana
District of Puerto Rico
District of Oregon
Southern District of Illinois
District of Maryland
Middle District of Florida
Northern District of West Virginia
District of Hawaii
District of Minnesota
Southern District of California
District of Arizona
District of Maine
Eastern District of Oklahoma
Middle District of Georgia
Middle District of Tennessee
Western District of Virginia
Western District of Texas
Northern District of Iowa
District of Massachusetts
Eastern District of California
Middle District of Louisiana
District of New Mexico
Eastern District of Virginia
Northern District of Alabama
Central District of California
Eastern District of Louisiana
District of Nebraska
Northern District of Oklahoma
District of Rhode Island
Eastern District of Pennsylvania
District of Montana
District of New Jersey
District of North Dakota
District of South Carolina
Eastern District of Washington
Northern District of Ohio
Northern District of Texas
District of Wyoming
Southern District of Alabama
Western District of Missouri
District of Northern Mariana Islands
District of Utah
Western District of Louisiana
Eastern District of North Carolina
Southern District of Ohio
Western District of Michigan
Southern District of Texas
Eastern District of Missouri
District of New Hampshire
Western District of New York
Eastern and Western District of Arkansas
Central District of Illinois
Northern District of California
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| Opens Print Menu | Button | |
| Allows you to give the file a new name when saving | Button | |
| Attach a file | Button | |
| Resets the entire form | Button | |
| Home Ownership Expenses | ||
| 4. Rental or Home Ownership Expenses | Number |
Enter the total monthly expenses for your residence, including first mortgage payments and any rent for the ground or lot.
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| 4a. Real Estate Taxes | Number |
Enter the monthly amount for real estate taxes.
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| 4b. Property, Homeowner's, or Renter's Insurance | Number |
Enter the monthly amount for property, homeowner's, or renter's insurance.
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| 4c. Home Maintenance, Repair, and Upkeep Expenses | Number |
Enter the monthly amount for home maintenance, repair, and upkeep expenses.
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| 4d. Homeowner's Association or Condominium Dues | Number |
Enter the monthly amount for homeowner's association or condominium dues.
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| Installment or Lease Payments | ||
| Vehicle 1 Car Payment Amount | Number |
Enter the amount for car payments for Vehicle 1.
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| Vehicle 2 Car Payment Amount | Number |
Enter the amount for car payments for Vehicle 2.
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| Other Payment 1 Description | Text |
Describe the type of the first other installment or lease payment.
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| Other Payment 1 Amount | Number |
Enter the amount for the first other installment or lease payment. Fill only if 'Other Payment 1 Description' is specified.
Depends on:
Other Payment 1 Description
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| Other Payment 2 Description | Text |
Describe the type of the second other installment or lease payment.
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| Other Payment 2 Amount | Number |
Enter the amount for the second other installment or lease payment. Fill only if 'Other Payment 2 Description' is specified.
Depends on:
Other Payment 2 Description
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| Insurance | ||
| 15a. Life Insurance Amount | Number |
Enter the amount paid for life insurance.
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| 15b. Health Insurance Amount | Number |
Enter the amount paid for health insurance.
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| 15c. Vehicle Insurance Amount | Number |
Enter the amount paid for vehicle insurance.
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| 15d. Other Insurance Type | Text |
Specify the type of other insurance paid.
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| 15d. Other Insurance Amount | Number |
Enter the amount paid for the specified other insurance. Fill only if '15d. Other Insurance Type' is specified.
Depends on:
15d. Other Insurance Type
|
| Joint Case Status | ||
| No | Checkbox |
Check this box if the case is not a joint case.
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| Yes | Checkbox |
Check this box if the case is a joint case.
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| Medical and Dental Expenses | ||
| 11. Medical and Dental Expenses | Number |
Enter the total amount for medical and dental expenses.
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| Monthly Expense Calculation | ||
| Total Monthly Expenses (22a) | Number |
Provide the sum of expenses from lines 4 through 21.
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| Debtor 2 Monthly Expenses (22b) | Number |
Provide the monthly expenses for Debtor 2, if any, from Official Form 106J-2. Fill only if 'Does Debtor 2 live in a separate household?' is 'Yes'.
Depends on:
Debtor 2 Separate Household
|
| Combined Monthly Expenses (22c) | Number |
Provide the sum of the amounts from line 22a and line 22b.
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| Monthly Net Income Calculation | ||
| 23a Combined Monthly Income | Number |
Enter your combined monthly income as copied from Schedule I, line 12.
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| 23b Monthly Expenses | Number |
Enter your total monthly expenses as copied from line 22c.
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| 23c Monthly Net Income | Number |
Enter your monthly net income, calculated by subtracting your monthly expenses from your monthly income.
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| Other Expenses | ||
| Other Expense Specification | Text |
Provide a detailed description of the other expense.
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| Other Expense Amount | Number |
Enter the total monetary amount for the other expense.
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| Other Payments to Support Others | ||
| Other Support Payments Description | Text |
Provide a detailed description of the other payments made to support individuals who do not live with you. Fill only if 'Do your expenses include expenses of people other than yourself and your dependents?' is 'Yes'.
Depends on:
Include Other People's Expenses: Yes
|
| Total Other Support Payments | Number |
Enter the total monetary amount of other payments made to support individuals who do not live with you. Fill only if 'Other Support Payments Description' is specified.
Depends on:
Other Support Payments Description
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| Other People's Expenses Inclusion | ||
| Include Other People's Expenses: No | Checkbox |
Check this box if your expenses do not include those for people other than yourself and your dependents.
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| Include Other People's Expenses: Yes | Checkbox |
Check this box if your expenses include those for people other than yourself and your dependents.
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| Other Real Property Expenses | ||
| 20a Mortgages on Other Property | Number |
Enter the amount of expenses for mortgages on other property.
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| 20b Real Estate Taxes | Number |
Enter the amount of real estate taxes incurred.
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| 20c Property, Homeowner's, or Renter's Insurance | Number |
Enter the amount paid for property, homeowner's, or renter's insurance.
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| 20d Maintenance, Repair, and Upkeep Expenses | Number |
Enter the amount of maintenance, repair, and upkeep expenses.
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| 20e Homeowner's Association or Condominium Dues | Number |
Enter the amount of homeowner's association or condominium dues.
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| Personal Care Products and Services | ||
| Personal Care Products and Services Expense | Number |
Enter the total amount spent on personal care products and services.
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| Second Dependent Information | ||
| Second Dependent Relationship | Text |
Enter the relationship of the second dependent to Debtor 1 or Debtor 2. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Second Dependent Age | Number |
Enter the age of the second dependent. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Second Dependent Lives With You - No | Checkbox |
Check this box if the second dependent listed does not live with you. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Second Dependent Lives With You - Yes | Checkbox |
Check this box if the second dependent listed lives with you. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Taxes | ||
| Taxes Specify Description | Text |
Provide a description for the taxes being reported, ensuring they are not taxes deducted from your pay or already included in lines 4 or 20.
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| Total Taxes Amount | Number |
Enter the total amount for taxes. Fill only if 'Taxes Specify Description' is specified.
Depends on:
Taxes Specify Description
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| Third Dependent Information | ||
| Third Dependent's Relationship | Text |
Enter the third dependent's relationship to Debtor 1 or Debtor 2. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Third Dependent's Age | Text |
Enter the third dependent's age. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Third Dependent No | Checkbox |
Check this box if the third dependent does not live with you. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Third Dependent Yes | Checkbox |
Check this box if the third dependent lives with you. Fill only if 'Dependent Status Yes' is 'Yes'.
Depends on:
Dependent Status Yes
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| Transportation Expenses | ||
| Transportation Expenses | Number |
Enter the total amount for transportation expenses, including gas, maintenance, bus, or train fare, but excluding car payments.
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| Utilities | ||
| Utilities 6a Electricity, Heat, Natural Gas Cost | Number |
Enter the total cost for electricity, heat, and natural gas utilities.
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| Utilities 6b Water, Sewer, Garbage Collection Cost | Number |
Enter the total cost for water, sewer, and garbage collection utilities.
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| Utilities 6c Telephone, Cell Phone, Internet, Satellite, Cable Services Cost | Number |
Enter the total cost for telephone, cell phone, Internet, satellite, and cable services.
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| Utilities 6d Other Specify | Text |
Specify any other utility service not listed above.
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| Utilities 6d Other Utility Cost | Number |
Enter the cost for the other utility service specified. Fill only if 'Utilities 6d Other Specify' is specified.
Depends on:
Utilities 6d Other Specify
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