Do I include money taken out of my IRA? Nic Ruiz September 02, 2018 00:04 No. Do not include money taken out of your account. Related articles What if I don't remember everyone I owe money to? Trustee's Report of No Distribution & What It Means For Your Case Why you should not include credit card or personal loan debt payments in Schedule J (Expenses) How do I make changes to the questionnaire after finishing? What happens if I paid someone back in the year before bankruptcy? Comments 0 comments Article is closed for comments.