Bankruptcy Schedule J – Current Expenditures of Individual Debtor(s) Template - Free Editor
Bankruptcy Schedule J – Current Expenditures of Individual Debtor(s) Template
United States Bankruptcy Court
District of [District]
In re: [Debtor Name(s)]
Case No.: [if known]
Chapter: [7/13]
Schedule J: Debtor’s Expenses
List average monthly household expenses as of filing.
Part 1: Housing and Utilities
| Expense Category | Amount ($) |
|---|---|
| Mortgage or rent payment | [___] |
| Real estate taxes (if not in mortgage) | [___] |
| Property, homeowner’s, renter’s insurance | [___] |
| Home maintenance/repairs | [___] |
| Utilities: electricity, heat, water, sewer, garbage | [___] |
| Telephone, cell phone, internet, cable | [___] |
Part 2: Transportation
- Vehicle installment payments: $[Amount]
- Transportation (gas, maintenance, public transit): $[Amount]
- Vehicle insurance: $[Amount]
Part 3: Food, Clothing, Personal Care
- Food and housekeeping supplies: $[Amount]
- Clothing and laundry: $[Amount]
- Personal care products/services: $[Amount]
Part 4: Medical and Insurance
- Medical and dental expenses (out-of-pocket): $[Amount]
- Health insurance premiums: $[Amount]
- Other insurance (life, disability): $[Amount]
Part 5: Household and Dependents
- Childcare/education expenses: $[Amount]
- Child support/alimony payments: $[Amount]
- Dependent care for elderly/disabled: $[Amount]
Part 6: Taxes and Other Deductions
- Payroll taxes (if not deducted on Schedule I): $[Amount]
- Involuntary deductions (union dues, retirement loan repayments): $[Amount]
Part 7: Other Necessary Expenses
- Charitable contributions: $[Amount]
- Recreation/entertainment: $[Amount]
- Miscellaneous: $[Amount]
- Installment payments for other debts (describe): $[Amount]
Part 8: Total Monthly Expenses
- Total expenses: $[Total]
- Net monthly income (Schedule I total) minus expenses: $[Surplus/Deficit]
Declaration
I declare under penalty of perjury that the foregoing is true and correct.
Debtor 1 Signature: __________________________ Date: __________
Debtor 2 Signature (if joint case): __________________________ Date: __________
Conform to Official Form 106J; include continuation sheets if additional detail required.
Local Rules Checklist
- Confirm local bankruptcy rules, judge procedures, and any required local forms.
- Verify notice and service requirements, including creditor matrix format.
- Check deadlines in the scheduling order and use the correct CM/ECF event.
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