Do I include money taken out of my IRA? Upsolve 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) What happens if I paid someone back in the year before bankruptcy? I finished the interview/questionnaire. What's my next step? Comments 0 comments Article is closed for comments.