Appendix 3

The Bankruptcy Schedules

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Schedule A

On Schedule A, you must list all of your real estate, also known as real property. For each property, you must provide:

• A description and location of the property
• The nature of your interest in the property
• Whether the property is held by a husband, wife, or if it is joint or community property
• The current value of your interest in the property without deductions for secured claims or exemptions
• Whether there is a secured interest in the property (like a mortgage)

Schedule B

On Schedule B, you must list all of your personal property. There are 35 categories of property listed on this schedule. You must provide the following information:

• A description and the location of the property
• The nature of your interest in the property
• Who has an interest in the property
• The current value of your interest in the property without deductions for secured claims or exemptions

Schedule C

On Schedule C, you must list all of the property that you are claiming as exempt. This is property that you are protecting from possible liquidation. You must provide:

• A description of the property
• The law under which you are exempting the property
• The value of the claimed exemption
• The current value of the property without deducting the exemption

Schedule D

On Schedule D, you must list your secured creditors. These are creditors who have secured your debts against your property, like a mortgage or an auto loan.

Schedule E

On Schedule E, you must list priority unsecured creditors. These are creditors who will be paid back first due to the nature of their claim. A good example would be the Internal Revenue Service.

Schedule F

On Schedule F, you must list your unsecured creditors who have non-priority claims. Credit cards are a good example of creditors you would list on Schedule F.

Schedule G

On Schedule G, you must list your unexpired leases and executory contracts.

Schedule H

On Schedule H, you must list your co-debtors. This is generally used by married couples or by people who have co-guarantors on their loans.

Schedule I

On Schedule I, you must list your current income. This is necessary for both the means test and for calculating your disposable monthly income.

Schedule J

On Schedule J, you must list your current monthly expenses. This is important for certain means test analyses and for calculating your disposable monthly income.