B 106J-2

Schedule J-2: Expenses for Separate Household of Debtor 2 (individuals)

Agency
U.S. Courts
Revision
12/15
Fillable fields
73
Pages
3
Official source
U.S. Courts form page
Checked
October 20, 2026
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Page 1 of form B 106J-2

Form B 106J-2: Schedule J-2: Expenses for Separate Household of Debtor 2 (individuals)

Form B 106J-2, Schedule J-2: Expenses for Separate Household of Debtor 2, is the Official Bankruptcy Form for Debtor 2's own household expenses in a joint bankruptcy case. The U.S. Courts list it under Individual Debtors. The current version is dated 12/15, and the U.S. Courts page lists it as effective on December 1, 2015. The page says the form is derived from Official Form 6J, and that Official Bankruptcy Forms are approved by the Judicial Conference and must be used under Bankruptcy Rule 9009. The committee note says the form is new and 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.

The 3-page form follows Schedule J line by line: the household and dependents, then monthly expenses from housing and utilities to insurance, taxes, car payments and support. Line 22 gives the monthly expenses of Debtor 2, which the form says to copy to line 22b of Schedule J. Line 23 is not used on this form.

This page explains the form in plain words and is not legal advice. You can fill it out free in your browser on this page and download the result without an account.

Top of page 1 of Form B 106J-2: Schedule J-2: Expenses for Separate Household of Debtor 2 (individuals), as printed by COURTS

What's on Form B 106J-2

Case caption

The debtor names, the district of the United States Bankruptcy Court, the case number if known, and boxes for an amended filing or a supplement showing postpetition chapter 13 expenses as of a date.

Part 1: Describe Your Household

Lines 1 to 3: separate households, Debtor 2's dependents by relationship, age and whether they live with Debtor 2, and whether expenses include people other than Debtor 2, the dependents and Debtor 1.

Lines 4 to 6: Home and utilities

Rent or home ownership expenses, including first mortgage payments, real estate taxes, insurance, upkeep and association dues, additional mortgage payments such as home equity loans, and utilities.

Lines 7 to 16: Living costs

Food and housekeeping supplies, childcare and education, clothing, personal care, medical and dental, transportation, entertainment, charitable and religious donations, insurance and taxes not deducted from pay.

Lines 17 to 21: Payments and other property

Car and other installment or lease payments, alimony, maintenance and support not deducted from pay, support for others who do not live with Debtor 2, expenses for other real property, and other expenses.

Lines 22 to 24: Total and changes

Line 22 is the monthly expenses of Debtor 2. Line 23 is not used on this form. Line 24 asks whether you expect expenses to rise or fall within the year after you file.

How to fill out Form B 106J-2

  1. 1

    Answer line 1 first

    Line 1 asks whether you and Debtor 1 maintain separate households. The form says that with No, do not complete this form.

  2. 2

    Fill in the caption

    Enter the debtor names, the district and the case number if known, and check a box if this is an amended filing or a chapter 13 supplement, with its date.

  3. 3

    List Debtor 2's dependents

    Line 2 says not to list Debtor 1, but to list all other dependents of Debtor 2 even if listed for Debtor 1 on Schedule J, and not to state the dependents' names.

  4. 4

    Report only Debtor 2's expenses

    The form says to answer only for Debtor 2's expenses that are not reported on Schedule J. The booklet says to show all totals as monthly payments and to write $0 for a line with nothing to report.

  5. 5

    Copy the total to Schedule J

    Line 22 gives the monthly expenses of Debtor 2. The form says to copy the result to line 22b of Schedule J to calculate the total expenses for Debtor 1 and Debtor 2.

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Where it is filed, timing and privacy

Where it is filed

With the United States Bankruptcy Court for the district named at the top of the form. The booklet says that if you are filing jointly and Debtor 1 and Debtor 2 keep separate households, Debtor 2 must complete and include Schedule J-2.

Fee

The form does not print a fee.

Timing

The instruction booklet lists Schedule J (Official Form 106J) among the forms filed either when the bankruptcy case is filed or within 14 days after the Voluntary Petition (Official Form 101), and says the case may be dismissed if they are not. It does not list Schedule J-2 separately.

Privacy

The form says not to state the dependents' names. The booklet says filing a bankruptcy case is not private and anyone has a right to see the forms after they are filed, unless the court orders otherwise under 11 U.S.C. § 107.

Related forms

Who uses Form B 106J-2?

  • Debtor 2 in a joint case

    Line 1 asks whether you and Debtor 1 maintain separate households. The form says that if the answer is No, do not complete this form.

  • Couples with dependents in common

    The form says that if Debtor 1 and Debtor 2 have one or more dependents in common, list the dependents on both Schedule J and this form.

  • Debtor 1's household

    Debtor 1's expenses go on Schedule J. The form says to answer its questions only for expenses of Debtor 2 that are not reported on Schedule J.

  • Chapter 13 supplements

    A box marks a supplement showing postpetition chapter 13 expenses as of a date. The form says to estimate expenses as of the bankruptcy filing date unless it is used as a supplement in a Chapter 13 case.

The form says to use it for Debtor 2's separate household expenses only if Debtor 1 and Debtor 2 maintain separate households.

Official sources and the blank

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Questions about Form B 106J-2

When is Schedule J-2 used?

The form says to use it for Debtor 2's separate household expenses only if Debtor 1 and Debtor 2 maintain separate households, and not to complete it if the answer to line 1 is No.

Are shared dependents listed on both forms?

Yes. The form says that if Debtor 1 and Debtor 2 have one or more dependents in common, list the dependents on both Schedule J and this form.

Where does the line 22 total go?

The form says to copy the result to line 22b of Schedule J to calculate the total expenses for Debtor 1 and Debtor 2. The committee note says line 22b was added so Schedule J and Schedule J-2 are easily coordinated.

Why is line 23 blank?

The form prints line 23 as "Line not used on this form." On Schedule J, line 23 calculates monthly net income.

Can Schedule J-2 be a chapter 13 supplement?

The caption has a box for a supplement showing postpetition chapter 13 expenses as of a date, and the form says to estimate expenses as of the filing date unless it is used as a supplement in a Chapter 13 case.

Is Schedule J-2 signed?

The form has no signature line. The committee note says the Declaration About an Individual Debtor's Schedules (Official Form 106Dec) is signed by the debtor and filed with the debtor's schedules.