Three months ago, Janet Hart's husband of twenty years died

of cancer. Although he had medical insurance, he left Janet

with outstanding medical bills of more than $50,000. Janet

has worked at the local library for the past ten years,

earning $1,700 per month. Since her husband's death, Janet

also receives $1,500 in Social Security benefits, and $1,100

in life insurance proceeds every month, giving her a monthly

income of $4,300. After she pays the mortgage payment of

$1,500, and the amounts due on other debts each month, Janet

barely has enough left over to buy groceries for her family

(she has two teenage daughters at home). She decides to file

for Chapter 7 bankruptcy, hoping for a fresh start. Using

the information presented in the chapter, answer the

following questions.

1. Under the Bankruptcy Code after the enactment of the 2005

revisions, what must Janet do prior to filing a petition for

relief under Chapter 7?

2. How much time does Janet have after filing the bankruptcy

petition to submit the required schedules? What happens if

Janet does not meet the deadline?