Line 1: Is this a joint case? If yes, Does Debtor 2 live in a separate household?
Where to enter this in NextChapter: Client Profile > Filing Information > Type of Debtor. If Debtor 2 lives in a separate household, go to Client Profile > Joint Debtor Profile > "Does joint debtor have a different address than debtor?". Add the address in Client Profile > Joint Debtor Addresses.
Line 2: Do you have dependents?
Where to enter this in NextChapter: Client Profile > Spouses & Dependents > Dependents
Line 3: Do your expenses include expenses of people other than yourself and your dependents?
Where to enter this in NextChapter: Expenses > Family > Do expenses include the expenses of people other than yourself and your dependents?
Line 4: The rental or home ownership expenses for your residence.
Where to enter this in NextChapter: Expenses > Home > Mortgage/Rent for Residential Property
Line 4a: Real estate taxes.
Where to enter this in NextChapter: Expenses > Home > Property Taxes
Line 4b: Property, homeowner’s, or renter’s insurance.
Where to enter this in NextChapter: Expenses > Home > Home Insurance
Line 4c: Home maintenance, repair, and upkeep expenses.
Where to enter this in NextChapter: Expenses > Home > Repairs/Upkeep
Line 4d: Homeowner’s association or condominium dues.
Where to enter this in NextChapter: Expenses > Home > Condo/HOA Fees
Line 5: Additional mortgage payments for your residence, such as home equity loans.
Where to enter this in NextChapter: Expenses > Home > 2nd Mortgage/Other Home Expenses
Line 6: Utilities.
Where to enter this in NextChapter: Expenses > Utilities/Bills
Line 6a: Electricity, heat, natural gas.
Where to enter this in NextChapter: Expenses > Utilities/Bills > Electric AND/OR Heat/Gas
Line 6b: Water, sewer, garbage collection.
Where to enter this in NextChapter: Expenses > Utilities/Bills > Water/Sewer/Trash
Line 6c: Telephone, cell phone, Internet, satellite, and cable services.
Where to enter this in NextChapter: Expenses > Utilities/Bills > Phone/Cable/Internet AND/OR Cell Phone AND/OR Additional Phone Services
Line 6d: Other.
Where to enter this in NextChapter: Expenses > Utilities/Bills > Other Utility
Line 7: Food and housekeeping supplies.
Where to enter this in NextChapter: Expenses > Personal > Groceries
Line 8: Childcare and children’s education costs.
Where to enter this in NextChapter: Expenses > Family > Daycare / Babysitter AND/OR Children's Education Expenses AND/OR Education expenses for physically or mentally challenged child
Line 9: Clothing, laundry, and dry cleaning.
Where to enter this in NextChapter: Expenses > Personal > Clothing AND/OR Cleaning / Laundry
Line 10: Personal care products and services.
Where to enter this in NextChapter: Expenses > Personal > Hair Cuts AND/OR Personal Care Products
Line 11: Medical and dental expenses.
Where to enter this in NextChapter: Expenses > Medical > Medical Expenses AND/OR Medical Prescriptions AND/OR Dental Expenses AND/OR Dental Prescriptions AND/OR Vision Expenses
Line 12: Transportation.
Where to enter this in NextChapter: Expenses > Vehicles > Gas AND/OR Oil Changes / Maintenance AND/OR Other Transportation Expenses
Line 13: Entertainment, clubs, recreation, newspapers, magazines, and books.
Where to enter this in NextChapter: Expenses > Personal > Recreation
Line 14: Charitable contributions and religious donations.
Where to enter this in NextChapter: Expenses > Family > Charity / Tithes
Line 15: Insurance.
Where to enter this in NextChapter: Expenses > Medical > AND/OR Taxes / Insurance AND/OR Vehicles
Line 15a: Life insurance.
Where to enter this in NextChapter: Expenses > Taxes / Insurance > Life Insurance
Line 15b: Health insurance.
Where to enter this in NextChapter: Expenses > Medical > Health Insurance
Line 15c: Vehicle insurance.
Where to enter this in NextChapter: Expenses > Vehicles > Car Insurance
Line 15d: Other insurance.
Where to enter this in NextChapter: Expenses > Taxes / Insurance > Other Insurance
Line 16: Taxes.
Where to enter this in NextChapter: Expenses > Taxes / Insurance > Tax Payments
Line 17: Installment or lease payments.
Where to enter this in NextChapter: Expenses > Vehicles > Car Payment AND/OR Expenses > Utilities / Bills > Other Installment Payment
Line 17a: Car payments for Vehicle 1.
Where to enter this in NextChapter: Expenses > Vehicles > Car Payment 1
Line 17b: Car payments for Vehicle 2.
Where to enter this in NextChapter: Expenses > Vehicles > Car Payment 2
Line 17c: Other.
Where to enter this in NextChapter: Expenses > Vehicles > Car Payment OR Expenses > Utilities / Bills > Other Installment Payment
Line 17d: Other.
Where to enter this in NextChapter: Expenses > Vehicles > Car Payment AND/OR Expenses > Utilities / Bills > Other Installment Payment
Line 18: Your payments of alimony, maintenance, and support that you did not report as deducted from your pay on line 5, Schedule I, Your Income (Official Form 106I).
Where to enter this in NextChapter: Expenses > Family > Child Support / Alimony
Line 19: Other payments you make to support others who do not live with you.
Where to enter this in NextChapter: Expenses > Family > Contributions to other family members
Line 20: Other real property expenses not included in lines 4 or 5 of this form or on Schedule I: Your Income.
Where to enter this in NextChapter: Expenses > Other Properties
Line 20a: Mortgages on other property.
Where to enter this in NextChapter: Expenses > Other Properties > Total Mortgage on Other Properties
Line 20b: Real estate taxes.
Where to enter this in NextChapter: Expenses > Other Properties > Property Taxes
Line 20c: Property, homeowner’s, or renter’s insurance.
Where to enter this in NextChapter: Expenses > Other Properties > Home Insurance
Line 20d: Maintenance, repair, and upkeep expenses.
Where to enter this in NextChapter: Expenses > Other Properties > Repairs / Upkeep
Line 20e: Homeowner’s association or condominium dues.
Where to enter this in NextChapter: Expenses > Other Properties > Condo / HOA Fees
Line 21: Other.
Where to enter this in NextChapter: Expenses > Family > Other Expenses
Line 22: Calculate your monthly expenses.
Line 22a: Add lines 4 through 21.
Line 22b: Copy line 22 (monthly expenses for Debtor 2), if any, from Official Form 106J-2
Line 22c: Add line 22a and 22b.
Line 23: Calculate your monthly net income.
Line 23a: Copy line 12 (your combined monthly income) from Schedule I.
Line 23b: Copy your monthly expenses from line 22c above.
Line 23c: Subtract your monthly expenses from your monthly income. The result is your monthly net income.
Line 24: Do you expect an increase or decrease in your expenses within the year after you file this form?
Where to enter this in NextChapter: Expenses > Family > Expected increase or decrease in expenses within one year