Official form 106J, Schedule J: Your Expenses (individuals)

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Official form 106J, Schedule J: Your Expenses (individuals)

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Schedule J: Your Expenses (Official Form 106J and 106J-2)    

Schedule J: Your Expenses (Official Form 106J) provides an estimate of the monthly expenses, as of the date you file for bankruptcy, for you, your dependents, and the other people in your household whose income is included on Schedule I: Your Income (Official Form 106I).  

If you are married and are filing individually, include your non-filing spouse’s expenses unless you are separated.  

If you are filing jointly and Debtor 1 and Debtor 2 keep separate households, Debtor 2 must complete and include Schedule J-2: Expenses for Separate Household of Debtor 2 (Official Form 106J-2).   

Do not include expenses that other members of your household pay directly from their income if you did not include that income on Schedule I. For example, if you have a roommate and you divide the rent and utilities and you have not listed your roommate’s contribution to household expenses in line 11 of Schedule I, you would list only your share of these expenses on Schedule J.   

Show all totals as monthly payments. If you have weekly, quarterly, or annual payments, calculate how much you would spend on those items every month.   

Do not list as expenses any payments on credit card debts incurred before filing bankruptcy.   

Do not include business expenses on this form. You have already accounted for those expenses as part of determining net business income on Schedule I.   

On line 20, do not include expenses for your residence or for any rental or business property. You have already listed expenses for your residence on lines 4 and 5 of this form. You listed the expenses for your rental and business property as part of the process of determining your net income from that property on Schedule I (line 8a).   

If you have nothing to report for a line, write $0.  If, after filing Schedule J, you need to file an estimate of expenses in a chapter 13 case for a date after your bankruptcy, you may complete a supplemental Schedule J. To do so you must check the “supplement” box at the top of the form and fill in the date.



The schedules to be used in cases of individual debtors are revised as part of the Forms Modernization Project, making them easier to read and, as a result, likely to generate more complete and accurate responses. The goals of the Forms Modernization Project include improving the interface between technology and the forms so as to increase efficiency and reduce the need to produce the same information in multiple formats. Therefore, many of the open-ended questions and multiple-part instructions have been replaced with more specific questions. The individual debtor schedules are also renumbered, starting with the number 106 and followed by the letter or name of the schedule to distinguish them from the versions to be used in non-individual cases.

Official Form 106J, Schedule J: Your Expenses, replaces Official Form 6J, Your Expenses, in cases of individual debtors. 

The form is one of an initial set of forms that were published as part of the Forms Modernization Project in 2012. It is renumbered and internal cross references are updated to conform to the new numbering system now being introduced by the Forms Modernization Project.

The form has been revised to include references to new Schedule J-2: Expenses for Separate Household of Debtor 2 (Official Form 106J-2) at line 1 and new line 22b. The revisions clarify how to calculate monthly net income in joint cases where Debtor 1 and Debtor 2 maintain separate households. Line 22b is added so Schedule J and Schedule J-2 are easily coordinated. 

Official Form 106J-2 is new. It is used to report the monthly expenses of Debtor 2 in a joint debtor case only if Debtor 1 and Debtor 2 maintain separate households.


Automatically apply your county expense standards and state income standards to your means test calculation.

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