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The schedules

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

A second expense schedule, for married joint filers who live apart.

Last updated October 2026

Educational information only — not legal advice. BK Prepare isn't a law firm and this isn't a recommendation for your situation. It's a general overview — for advice on your specific case, talk to a licensed bankruptcy attorney or a free legal aid clinic.

This page describes the form. It doesn’t tell you how to fill it in. It covers what the form is, who files it and what each part asks. What goes in your answers depends on your own facts, and BK Prepare can’t tell you what to put on your forms. A bankruptcy attorney or a free legal aid clinic can.

In short

Schedule J assumes one household. When two spouses file a joint case but keep separate homes, there are two sets of living expenses, and Schedule J-2 holds the second one.

It has the same lines as Schedule J. It covers only Debtor 2’s expenses that aren’t already on Schedule J.

Who files it

Only Debtor 2 in a joint case where the two spouses maintain separate households. A single filer, or a couple living together, has no Schedule J-2.

What it asks

Part 1: Describe Your Household

Confirmation that the households are separate, and Debtor 2’s dependents.

Part 2: Estimate Your Ongoing Monthly Expenses

The same expense categories as Schedule J, for Debtor 2’s household.

When it’s filed

It’s filed with the petition, or within 14 days after it. That’s the deadline Bankruptcy Rule 1007(c) sets for the schedules and statements.

Related forms

The official form

Official Form 106J-2 is 3 pages long and is used in Chapter 7 and Chapter 13 cases. This guide describes the 12/15 revision, the date printed beside the form’s title. The federal courts publish the form and replace it when it changes, so their page always has the current one.

BK Prepare’s questionnaire builds the list of forms for a case from your answers, and includes this one when it applies.

Sources

The statutes, rules and official pages behind what’s on this page.