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Yes! You can use AI to fill out Official Form 106D, Schedule D: Creditors Who Have Claims Secured by Property

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Official Form 106D, Schedule D: Creditors Who Have Claims Secured by Property, page 1
Very Complex · 89/100Form Complexity Index

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What this form asks for

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Official Form 106D, also known as Schedule D, is a crucial document filed in a United States bankruptcy case. Its purpose is for the debtor to declare all creditors who hold a secured claim, meaning the debt is backed by collateral such as a house, car, or other property. This detailed listing helps the court and trustees understand the debtor's financial obligations tied to specific assets. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Fillable fields196
Pages3
Sections17
Tables and lists3
Questions that depend on earlier answers174
Form Complexity IndexVery Complex, 89/100

The AI checks your answers before you download

12 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Conditional Requirement for Secured Claims

This check ensures that if the user answers 'Yes' to question 1 ('Do any creditors have claims secured by your property?'), then at least one creditor entry in Part 1 is fully completed. Conversely, if 'No' is checked, Part 1 must be empty. This prevents incomplete submissions and ensures the form's core question is answered logically. A failure would prompt the user to either provide creditor details or select 'No'.

Unsecured Portion Calculation Logic

This validation verifies the mathematical accuracy of Column C ('Unsecured portion'). The value in Column C must equal the 'Amount of claim' (Column A) minus the 'Value of collateral' (Column B), but only if Column A is greater than Column B. If the collateral value is greater than or equal to the claim amount, the unsecured portion must be zero or blank. This ensures the financial data is accurate for bankruptcy proceedings.

Date Debt Incurred Format and Plausibility

This check validates that the 'Date debt was incurred' field contains a valid date in a recognized format (e.g., MM/DD/YYYY). It also ensures the date is not in the future. Accurate dating is crucial for establishing the timeline of debts. An invalid format or a future date would trigger an error, requiring the user to correct the entry.

Account Number Last 4 Digits Format

This validation ensures that any field for 'Last 4 digits of account number' contains exactly four numeric digits. This standardizes the data for identification purposes while protecting the debtor's full account information. Submissions with fewer or more than four digits, or non-numeric characters, would be rejected for correction.

Conditional 'Other Lien' Description

This check enforces that if the 'Other (including a right to offset)' checkbox is selected under 'Nature of lien', the corresponding text field for describing the lien is not left empty. This is important for providing complete and unambiguous information about the type of security. If the box is checked and the description is missing, the form submission will be flagged as incomplete.

Debtor Liability Consistency

This validation cross-references the 'Who owes the debt?' selection with the filers listed at the top of the form. For example, if only 'Debtor 1' is filing (Debtor 2 is blank), then options like 'Debtor 2 only' or 'Debtor 1 and Debtor 2 only' are invalid. This maintains logical consistency throughout the legal document. An inconsistency would require the user to correct the selection.

And 6 more checks
  • Creditor Entry Completeness in Part 1
  • Part 2 Referential Integrity Check
  • ZIP Code Format Validation
  • Column A Page Total Calculation
  • Primary Debtor Identification
  • Page Numbering Consistency

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How to Fill Out Official Form 106D Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload your PDF of Form 106D or select it from their template library.
  2. Provide the debtor's name(s) and bankruptcy case information in the header section of the form.
  3. Indicate whether you have any creditors with claims secured by your property. If yes, proceed to Part 1.
  4. For each secured claim, use the AI assistant to enter the creditor's details, the amount of the claim, the value of the collateral, the nature of the lien, and the date the debt was incurred.
  5. If any other parties, such as collection agencies, need to be notified about a debt listed in Part 1, complete Part 2 with their contact information.
  6. Review all the auto-filled information for accuracy, ensuring all creditor details, claim amounts, and property descriptions are correct.
  7. Once complete, download, save, or print your filled Official Form 106D, ready for submission to the bankruptcy court.

Common Mistakes in Completing Official Form 106D

The ones the AI is built to catch.

Miscalculating the Unsecured Portion in Column C
Filers often make arithmetic errors when subtracting the collateral value (Column B) from the claim amount (Column A), or they fill in a value when the collateral is worth more than the debt. This misrepresents the debtor's financial situation and can lead to objections from the trustee or creditors, requiring corrected filings. To avoid this, carefully calculate Column A minus Column B, and only enter a value if it is greater than zero; otherwise, leave it blank or enter $0.
Netting Collateral Value from the Claim Amount in Column A
The form explicitly instructs filers not to deduct the collateral's value from the total claim amount in Column A, but many do so instinctively. This error understates the creditor's full claim and provides inaccurate information to the court, which can cause delays and require amendments. Always enter the full, outstanding balance of the debt in Column A, regardless of the collateral's value.
Providing a Vague Property Description
Debtors frequently use generic descriptions like 'car' or 'property' instead of specific identifiers. A vague description makes it difficult for the court and trustee to identify which asset secures a particular debt, potentially leading to disputes over the automatic stay or treatment of the asset. Always provide detailed information, such as the full property address for real estate or the make, model, and VIN for a vehicle.
Incorrectly Checking 'Contingent,' 'Unliquidated,' or 'Disputed'
These legal terms are often misunderstood, leading filers to check the wrong boxes or none at all. For example, a debtor might incorrectly mark a debt as 'disputed' simply because they disagree with the interest rate. Misclassifying a claim can have serious legal consequences, affecting its treatment in the bankruptcy plan and its potential for discharge. If you are unsure, it is critical to seek legal advice to classify claims correctly.
Omitting Collection Agencies in Part 2
When a debt is with a collection agency, the original creditor must be listed in Part 1 and the agency in Part 2. Filers often forget to list the collection agency, meaning the agency does not receive legal notice of the bankruptcy. This can result in the agency continuing collection efforts in violation of the automatic stay, causing significant stress and potential legal issues for the debtor.
Using an Inaccurate or Outdated Collateral Value
Filers must list the current fair market value of the collateral, but often use the purchase price, an old appraisal, or a rough guess. An incorrect valuation directly impacts the calculation of the secured and unsecured portions of the claim, which can trigger objections from the trustee or creditors. Research the current market value for similar items in similar condition to provide an accurate estimate.
Bundling Multiple Claims from a Single Creditor
The instructions require listing each secured claim separately, even if they are with the same creditor (e.g., a mortgage and a car loan from the same bank). Filers sometimes group these into a single entry, which confuses the record and makes it impossible to track which asset secures which loan. This can lead to the schedule being deemed deficient, requiring an amendment to separate each claim properly.
Providing an Incomplete or Incorrect Creditor Address
Using a general customer service address instead of the specific address for legal notices, or making a simple typo, is a frequent error. If the address is wrong, the creditor will not receive proper legal notice of the bankruptcy filing. This can result in the debt not being discharged, allowing the creditor to resume collection activities after the case is closed.
Forgetting Header Information on Additional Pages
When using additional pages to list more creditors, filers often forget to write their name and case number at the top of each page as instructed. If an un-labeled page becomes separated from the main document, the court will not be able to associate it with the case. This would render the filing incomplete and could jeopardize the discharge of the debts listed on the missing page.
Manually Filling a Non-Fillable PDF Version
Debtors sometimes find a flat, non-fillable version of the form and fill it by hand, resulting in illegible entries, misaligned text, and calculation errors. This can lead to the court clerk rejecting the filing or data being entered incorrectly into the court's system. AI-powered form-filling tools like Instafill.ai can convert non-fillable PDFs into interactive forms, ensuring all data is legible, properly formatted, and validated to prevent such issues.
Incorrectly Assigning Debt Responsibility in a Joint Filing
In a joint case, it is crucial to correctly check whether Debtor 1, Debtor 2, or both are liable for each debt. Filers may mistakenly assume all debts are joint or fail to check any box, creating ambiguity. This error affects each debtor's personal liability and can lead to complications with creditors or the trustee regarding who is responsible for the debt post-bankruptcy.

Frequently Asked Questions About Official Form 106D

 

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How does the AI fill out Official Form 106D?
You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of Official Form 106D, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is Official Form 106D to fill out?
Official Form 106D has a Form Complexity Index of 89 out of 100, in the very complex tier: 196 fillable fields across 3 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of Official Form 106D, Schedule D?
This form is used during a bankruptcy filing to list all creditors who have a secured claim against your property. A secured claim is a debt backed by collateral, such as a mortgage on a house or a loan for a car.
Who needs to fill out Schedule D?
Anyone filing for bankruptcy who has debts secured by property must complete this form. If you have no secured debts, you only need to check the 'No' box in question 1 and submit the form with your other schedules.
What is the difference between the 'Amount of claim' and the 'Value of collateral'?
The 'Amount of claim' is the total amount you owe the creditor on the date you file for bankruptcy. The 'Value of collateral' is the current market value of the specific property that secures that debt.
How do I determine the 'Unsecured portion' in Column C?
The unsecured portion is the amount of the debt that exceeds the value of the collateral. To calculate it, subtract the 'Value of collateral' (Column B) from the 'Amount of claim' (Column A); if the value is zero or less, there is no unsecured portion.
What do the terms 'contingent,' 'unliquidated,' and 'disputed' mean?
A claim is 'contingent' if it depends on a future event, 'unliquidated' if the exact amount owed is not yet determined, and 'disputed' if you disagree with the creditor about the debt's validity or amount. You should check all boxes that apply.
When should I use Part 2 of Schedule D?
Use Part 2 to list any other parties that need to be notified about a debt already listed in Part 1. This includes collection agencies, co-creditors, or the creditor's attorney.
What if I have more secured creditors than space on the first page?
If you run out of space, use the 'Additional Page' provided with the form. Number the new entries sequentially (e.g., 2.3, 2.4, etc.) and attach the page to the main form.
What if the same creditor holds multiple secured claims against me?
You must list each secured claim as a separate entry in Part 1. For example, a mortgage and a car loan from the same bank should be listed as two distinct items.
What is the difference between a 'judgment lien' and a lien from an 'agreement'?
A lien from an 'agreement' is one you voluntarily entered into, like a mortgage or car loan. A 'judgment lien' is an involuntary lien placed on your property by a court as the result of a lawsuit.
What should I do if I'm filing jointly with my spouse?
If filing jointly, you are both responsible for providing accurate information. For each debt, you must specify who owes it: Debtor 1, Debtor 2, both debtors, or if it is a community debt.
Can AI tools help me fill out Form 106D?
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you significant time and help prevent errors. This is especially useful for complex forms with repetitive information.
How can I fill out this form online if I only have a PDF?
You can use a service like Instafill.ai to fill out your form online. Simply upload the PDF, and the platform will convert it into a fillable format that you can complete, save, and print from your browser.
My PDF copy of Schedule D is not fillable. What can I do?
If you have a non-fillable or 'flat' PDF, you can upload it to a platform like Instafill.ai. The service uses AI to recognize the fields and will automatically convert the document into an interactive, fillable form.
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