The rule is that you are supposed to use a "thrift store" value for household items. I still think their stuff was undervalued.
Also, this was a chapter 7, not 13. Any assets should have been sold and disbursed amongst the creditors. They purposely undervalue everything so the trustee won't bother trying to sell anything.
The part that bothers me more than the undervalue is the lie about Susan being a homemaker and having no income. Between that lie and the lie of omission on Josh's crappy "SusanWasn'tSoGreatButJoshIsTheGreatestThingSinceSlicedBread.com" website, he seems to be in total denial the woman had a career of any sort at all.
1. Rent or home mortgage payment $ 1,296.00
2. Utilities: a. Electricity and heating fuel $ 175.00
b. Water and sewer $ 32.00
c. Telephone $ 130.00
d. Other Cable $ 60.00
3. Home maintenance (repairs and upkeep) $ 20.00
4. Food $ 600.00
5. Clothing $ 30.00
6. Laundry and dry cleaning $ 10.00
7. Medical and dental expenses $ 100.00
8. Transportation (not including car payments) $ 150.00
9. Recreation, clubs and entertainment, newspapers, magazines, etc. $ 30.00
10. Charitable contributions $ 80.00
11. Insurance (not deducted from wages or included in home mortgage payments)
a. Homeowner's or renter's $ 0.00
b. Life $ 25.00
c. Health $ 0.00
d. Auto $ 100.00
e. Other See Detailed Expense Attachment $ 1,325.00
12. Taxes (not deducted from wages or included in home mortgage payments)
(Specify) $ 0.00
13. Installment payments: (In chapter 11, 12, and 13 cases, do not list payments to be included in the
plan)
a. Auto $ 303.00
14. Alimony, maintenance, and support paid to others $ 0.00
15. Payments for support of additional dependents not living at your home $ 0.00
16. Regular expenses from operation of business, profession, or farm (attach detailed statement) $ 0.00
17. Other $ 0.00
Other $ 0.00
18. AVERAGE MONTHLY EXPENSES (Total lines 117.
Report also on Summary of Schedules and,
if applicable, on the Statistical Summary of Certain Liabilities and Related Data.)
$ 4,466.00
19. Describe any increase or decrease in expenditures reasonably anticipated to occur within the year
following the filing of this document:
20. STATEMENT OF MONTHLY NET INCOME
a. Average monthly income from Line 15 of Schedule I $ 4,500.00
b. Average monthly expenses from Line 18 above $ 4,466.00
c. Monthly net income (a. minus b.) $ 34.00