Free Ch 7 schedule wizards for New Jersey. Means test compares against New Jersey's median income; Schedule C surfaces the right exemption framework for your filing.
New Jersey bankruptcy schedule wizards
Means Test (Form 122A-1)
New Jersey state median income comparison + 6-month CMI calculation. Determines Ch 7 qualification under § 707(b).
OpenSchedule J — monthly expenses
Form 106J: housing, transport, food, insurance, taxes, insurance, debt installments — every monthly outflow.
OpenSchedule A/B — assets
Form 106A/B: real property, vehicles, household goods, accounts, retirement, business interests.
OpenSchedule C — exemptions
Form 106C: federal vs New Jersey state exemptions per asset row, with statute citation.
OpenSchedule D/E/F — creditors
Forms 106D + 106E/F: secured, priority unsecured, and general unsecured creditors with claim amounts and flags.
OpenStatement of Intention
Form 108: reaffirm / redeem / surrender each secured property + applicable unexpired lease decisions.
OpenAsk Counsel about New Jersey bankruptcy
Counsel can pull New Jersey's homestead cap, vehicle exemption, wildcard, and tools-of-trade exemptions when you ask. Ch 7 vs Ch 13 strategy depends on your numbers — Counsel will work through the means test math with you.
Sign up to chatBankruptcy is forgiving of paperwork mistakes — until it isn't.
Pro se filings get dismissed for missed schedules, undisclosed assets, or wrong-form exemptions. Generate every schedule via the wizards above, cross-check against your New Jersey federal district's local rules, and consider a no-look-fee consult with a New Jersey bankruptcy attorney before signing the petition.
SynthCounsel is a document preparation tool, not a law firm. Bankruptcy creates strict legal duties — verify everything before filing.