INSTRUCTIONS : SCHEDULE J CURRENT EXPENDITURES OF INDIVIDUAL DEBTORS (Form B-6J)

• Schedule J, which lists the current expenditures of individual debtors is one of the bankruptcy form 6 schedules that will offer information about your financial predicament. On this form, all of your expenses should be calculated on a monthly basis using the past six months of expenditures as a basic guideline.

• Before beginning to file the Form B-6J, Schedule J Current Expenditures of Individual Debtors petition, you must gather all necessary materials to expedite the process. Collecting necessary paperwork to calculate your monthly expenses is vital. The following documents or income statements should be gathered to streamline this process:

o Your mortgage statement (this is obviously not applicable if you rent)

o All of your utilities bills, including electricity and gas, water, telephone, cable and all bills associated with trash collection

o All of your receipts for all expenditures for the past six months

o Records for any charitable contributions that you may have made

o Insurance statements for health, auto, life and other

o All payment stubs or documents associated with loans

o Your bank statements for the last six months

When you have gathered the above information, Form B-6J Schedule J requires you to calculate your monthly expenses. For each line on Schedule J, add up the total expenditures for the last six months. Once you have done this, find the monthly average by dividing this sum by 6. In this section, some expenses may not be paid on a monthly basis; when this occurs, pro-rate these expenditures by multiplying the number of payments made in a year by dividing by 12.

When filing this information be sure not to duplicate expenses; some expenses, such as homeowner’s insurance, may fit into multiple categories. Only calculate these items once; income taxes, for instance, that are withheld from your paychecks should not be included on multiple lines.

In addition to avoiding duplicates, be sure to not over or underestimate your expenses; you must be accurate and inclusive when entering this information.

Special Power of Attorney

INSTRUCTIONS: SPECIAL POWER OF ATTORNEY (Form 11B)

People undergoing bankruptcy who wish to appoint someone to act on their behalf and represent them throughout meetings of creditors other than an attorney will need to complete a special power of attorney form, numbered 11B. This document is applicable in all 90 bankruptcy courts across the United States. Form 11B may be obtained from the website of the United States Courts system.

Special Power of Attorney 11B Step 1: Enter the number of the district where bankruptcy proceedings are unfolding and the name of the city, state or district at the top where indicated.

Special Power of Attorney 11B Step 2: Enter the case number which has been assigned to bankruptcy proceedings, as well as the chapter type of the bankruptcy you are applying for.

Special Power of Attorney 11B Step 3: Enter up to two names of people whom you wish to authorize to attend meetings of creditors and make decisions on their behalf. These representatives can also act on behalf of the trustees of the estate of a debtor. Include their addresses where indicated next to their names.

Special Power of Attorney 11B Step 4: This form must be completed in front of a notary, bankruptcy judge, clerks and deputy clerks of bankruptcy courts, United States trustees and American diplomatic or consular officers in foreign countries. Sign and date the document. Print your name next to the word "by".

Special Power of Attorney 11B Step 5: The authorized figure acting as a witness should indicate whether the person signing is an individual or a person acting on behalf of a partnership or corporation. They should then provide their authorized signature.

Adversary Proceeding Cover Sheet

Order Confirming Chapter 13 Plan

Subpoena in a Case Under the Bankruptcy Code

Bankruptcy

Debtor’s Certification of Completion of Instructional Course Concerning Financial Management

Schedule D – Creditors Holding Secured Claims

Order Discharging Debtor Before Completion of Chapter 13 Plan

Order Confirming Chapter 12 Plan

Subpoena in an Adversary Proceeding

Form B-25B Disclosure Statement

Declaration under Penalty of Perjury on Behalf of a Corporation or Partnership

Schedule J- Current Expenditures of Individual Debtor(s)

Special Power of Attorney

Adversary Proceeding Cover Sheet

Order Confirming Chapter 13 Plan

Subpoena in a Case Under the Bankruptcy Code