Questions About Schedule J
On Schedule J, it asks for the "Current Expenditures of Individual Debtors". What if, due to garnishments, you are unable to buy certain necessities, such as medication? Do you put down what you are currently spending on medication, or what you are supposed to be spending on medication? Also, what if your expenditures are likely to change drasticly in the near future? I am being laid off, and my insurance will no longer cover those medications. Should I put down what they cost today, or what they will cost when the bankruptcy is complete?
Answer:
Generally, you put down what you would normally spend without the garnishment. You also indicate if your expenses are expected to significantly change. Your attorney should be doing this for you.
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