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818-714-2200
Los Angeles California Bankruptcy Attorney - Only $999 - Chapter 7
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Van Nuys Bankruptcy
Los Angeles Bankruptcy Lawyer
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LAW OFFICE OF CHIRNESE L. LIVERPOOL
6277 VAN NUYS BOULEVARD, SUITE 126
VAN NUYS, CALIFORNIA 91401
TEL: (818) 714-2200
FAX: (818) 714-2201

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The following expenses are typically considered as "allowable living expenses" in a Chapter 7 or 13 bankruptcy proceeding if reasonable in amount:

  Rent or home mortgage payment (including lot rented for mobile home)
  Electricity, natural gas, butane
  Cable television
  Internet service
  Water and sewer
  Telephone (including cellular phones)
  Trash service
  Home maintenance/repairs
  Food
  Clothing
  Laundy and dry cleaning
  Medical and dental expenses (out of pocket)
  Transportation (including gasoline, vehicle maintenance and/or public transportation)
  Recreation/entertainment (must be reasonable in amount)
  Charitable contributions (not exceeding 15% of gross monthly income)
  Homeowners or renters insurance
  Term life insurance for yourself (but not insurance on any of your dependents)
  Health insurance (including HMO, etc.)
  Automobile insurance
  Property taxes
  Automobile payments (including lease payments) 
  Alimony or child support payments
  Child care (such as baby-sitting, day care, nursery and preschool)
  Pet care
  Regular expenses from operation of a business or profession
  Student loan payments
  Educational expenses that are required as a condition of employment
  Tax payments to I.R.S. or state taxing authorities if not dishargeable in bankruptcy
  Involuntary retirement contributions that are required by your employer
  Voluntary retirement contributions* 
  Payroll taxes (including income taxes, social security, medicare, etc.)
  Self-employment taxes
  Union dues
  Mandatory expenses required for employment (such as uniforms, parking, etc.)
  Payments for necessary household items (such as furniture, appliances and/or computer)
  School expenses for minor children under 18 years (up to $137.50 per month per child)
  Sport or school activities for minor children

* Voluntary retirement contributions and loan repayments to qualified retirement plans are typically allowed in Chapter 13 cases if reasonable in amount. In Chapter 7 cases, these expenses may be considered allowable only if reasonable in amount and necessary for the debtors support. If the debtor is many years away from retirement, the bankruptcy trustee may feel that these continued contributions and loan repayments are not currently necessary and exclude them as allowable expenses when calculating whether or not the debtor has sufficient disposable income available to repay his debts. To prevent a debtors Chapter 7 case from being dismissed or having to be converted to Chapter 13, the debtor should list plenty of additional allowable expenses to demonstrate that he has little or no funds available after paying all of his allowable living expenses. The allowable expenses that he lists, however, should be truthful and reasonable.    
Woodland Hills Bankruptcy
Allowable Living Expenses



LAW OFFICE OF
Chirnese L. Liverpool