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Schedule D: Creditors Who Hold Claims Secured By Property

Produced by Attorney Mariah Jennings-Rampsi for MassLegalHelp
Created October 2016

Get Schedule D: Creditors Who Hold Claims Secured By Property from the US Bankruptcy Court website.

Save the form on your computer.

In the top box put your name and your spouse’s if you are both filing.

Skip the box that asks for the District.

Put “Mass.” in the box that asks for your state.

The clerk will give you the Case No. when you file your Bankruptcy Petition.

The top box of most Bankruptcy forms.

Most of Schedule D is easy to fill out. Some parts are not so easy to understand. It is important to understand the question before you answer it.

If you do not have any secured debt, check “No” on the form.

If you have secured debts list them on Schedule D.

List your creditors in alphabetical order. Look at your credit reports to make sure you list them all. 

In Column A list the amount of the debt. In Column B put the value of the property. This should be the same amount you put on Schedule A/B for this property. Check Schedule A/B "Current value of the entire property?" to make sure the amounts are the same.

If the amount in column B is more than the amount in Column A put the difference in column C. The unsecured portion is the money you owe that is more than the property is worth.

For example:

  • If you owe $12,000 on a car loan, put $12,000 in Column A
  • But the car is only worth $10,000,
    • put $10,000 in Column B,
    • put “$2,000” in Column C.
  • $2,000 is the unsecured portion of the loan.

Matching Schedule D with Schedule A/B

Honda on Schedule A/B

Schedule AB showing Honda

Honda on Schedule D

Schedule D showing Honda

If the property has more than one loan on it, list the other creditors in Part 2.

Only list each piece of property once.

Do this for each secured loan in your name.

After you finish Schedule D, go to Chapter 7 Individual Debtor’s Statement of Intention

Filing without a lawyer

  • Bankruptcy is complicated. Filing without a lawyer is risky.
  • You can lose property and money. You can go to jail if you do not tell the truth.

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