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Schedule A

Schedule A is a disclosure of all real property you own. Real property includes all lands, buildings, fixtures, improvements, cabin trailers, and mobile homes. In the first column, list a description of the property. In the second column, list the fair market value of the property. In the third column, list any mortgages, debts, or liens placed on the property.

Schedule B

Schedule B is a disclosure of all personal property you own. Personal property is anything except for real property. It includes any property that is not affixed to or associated with the land. For Schedule B, include your household items of value. Include vintage items, expensive family heirlooms, and other expensive items in your home. Be as honest and thorough as you can when filling out Schedule B.

Schedule C

Schedule C is to claim exempt property. On the form, you must indicate whether you are filing under 522(b)(1) for a federal exemption OR 522(b)(2) for a state/local exemption. Next, you must describe the property you are claiming an exemption for. You can use the same description from Schedule A or B. In the second column, enter the exemption law that pertains to your exemption. In column three, enter the value of the exempt property you are claiming. In column four, enter the current market value of the exemption. This may or may not be the same as the actual value listed in column three.

Schedule D

Schedule D documents the unsecured claims from creditors. To fill out Schedule D, you will need to list all secured claims. In the first column, list the creditors that have a hold on some property you own. In the co-debtor column, indicate if someone else owns the property with you. In the third column, list the information of the co-debtor. In the fourth column, list the date you obtained the debt or loan, the type of debt, and a description of the property and its value. In the next columns, list if the property is contingent, un-liquidated, or disputed by placing a check mark if it applies. In the amount of claim column, list the amount owed.

Schedule E

Schedule E documents a debtor’s assets and liabilities. Schedule E allows the creditor to list unsecured creditors that have a priority over other creditors. On Schedule E, check the box for type of priority claim. On the third page, in the first column, list the creditor’s name and address, and your account number. In the co-debtor column, indicate if someone else owns the property with you. In the third column, list the information of the co-debtor. In the fourth column, list the date you obtained the debt or loan, the type of debt, and a description of the property and its value. In the next columns, list if the property is contingent, un-liquidated, or disputed by placing a check mark if it applies. In the amount of claim column, list the amount owed.

Schedule F

Schedule F is for creditors holding unsecured non-priority claims. Credit cards and medical bills are the focus of Schedule F. In the first column, enter the name and address of the creditor. Check the box if the debt is shared with a co-debtor. If you are a filing a joint petition, enter H, W, J, or C in the husband, wife, joint or community column. In the next columns, list if the property is contingent, un-liquidated, or disputed by placing a check mark if it applies. In the amount of claim column, list the amount owed.

Schedule G

Schedule G is for debtors to list specific information about their debts. Schedule G outlines any ongoing car leases, timeshare, or apartment leases you may have. In the first column, list the name and address of the creditor. Also list anyone else who may be on the lease or contract with you. In the second column, list a description of the contract or lease. Also list the date the lease expires and the term length. If you do not have any of these types of leases, simply check the box at the top indicating so.

Schedule H

Schedule H is for co-debtors. Schedule H is to provide the trustee and creditors with information about any and all co-debtors. If you do not have any co-debtors, indicate so and move on to the next schedule.

Schedule I

Schedule I explains the current income of joint or separate debtors. Be as thorough and honest as possible when filling out this schedule, being careful not to understate income in any way. Fill out the personal information at the top of the form. On line 1, enter the most recent month’s income. The same applies to the partner or spouse providing support. Next, add up all payroll deductions for the month and enter them on the appropriate lines.  Do the math in questions five and six. Answer questions 7-13 about other forms of earned income. In question 17 indicate if you are aware that you may lose your job in the near future. If you are unemployed and anticipate being employed in the near future, indicate that as well.

Schedule J

Schedule J is the current expenditures form. On this form, you will list your monthly expenses such as mortgage/rent, food, clothing, medical/dental, recreation, etc. Prorate any payments made bi-weekly, quarterly, semi-annually, or annually to show the monthly rate. Add up the expenses in lines 1-17 to come up with the Average Monthly Expenses. Disclose any anticipated increase or decrease to occur within the next year. Deduct average monthly expenses from Average Monthly Expenses to derive the Statement of Monthly Net Income.

Each State Has Separate Laws for Bankruptcy

Although these schedules will apply generally on a federal, national level for bankruptcy, each particular state and the District of Columbia have their own schedules. For example, Texas bankruptcy law is specific to the state of Texas and is subject to the local laws of that state.

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