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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
Complex · 78/100Form 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 critical document filed in a bankruptcy case to list all debts secured by collateral. This includes mortgages, car loans, and other loans where a creditor has a right to take specific property if the debtor defaults. Properly disclosing this information is essential for the bankruptcy process to proceed correctly, as it determines the treatment of secured assets and debts. 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 fields210
Pages3
Sections16
Tables and lists3
Questions that depend on earlier answers52
Form Complexity IndexComplex, 78/100

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 Secured Claim Section Requirement

This validation checks the response to the 'Secured Claims Question'. If the user checks 'Yes', it verifies that at least one secured claim entry is completed. If the user checks 'No', it ensures that no secured claim entries are filled out. This is critical for logical consistency and prevents submission of an incomplete or contradictory form.

Claim Financial Calculation Integrity

For each secured claim, this check verifies that the 'Unsecured portion' is correctly calculated as the 'Amount of claim' minus the 'Value of collateral', but not less than zero. For example, if the Amount of Claim is $10,000 and the Value of Collateral is $8,000, the Unsecured Portion must be $2,000. This ensures the financial data is arithmetically sound and accurately reflects the debtor's situation.

Mutually Exclusive Debtor Liability Selection

Within a single secured claim entry, a user can only select one debtor liability option ('Debtor 1 only', 'Debtor 2 only', 'Debtor 1 and Debtor 2 only', or 'At least one of the debtors and another'). This validation ensures that one and only one of these checkboxes is selected for each claim. This prevents ambiguity regarding who is legally responsible for the debt, which is essential for the bankruptcy proceeding.

Conditional 'Other Lien Type' Description

This check ensures that if the 'Other (including a right to offset)' checkbox is selected for the nature of a lien, the corresponding 'Other Lien Type Description' text field must not be empty. Conversely, if the 'Other' box is not checked, the description field should be empty. This prevents incomplete entries and ensures that all 'Other' selections are properly explained as required by the form.

Date of Debt Plausibility

This validation verifies that the 'Date debt was incurred' field contains a valid date format (e.g., MM/DD/YYYY) and that the date is not in the future. It is impossible to have incurred a debt on a future date, so this check prevents simple data entry errors. An invalid or future date would call the validity of the entire claim entry into question.

Creditor ZIP Code Format

This check validates that all 'Creditor ZIP Code' fields are entered in a valid 5-digit or 9-digit (ZIP+4) format. Correctly formatted ZIP codes are essential for ensuring legal notices and other correspondence are successfully delivered to the creditor. Failure to validate this can result in returned mail and procedural delays.

And 6 more checks
  • Page Numbering Consistency
  • Column A Page Total Summation
  • Debtor 2 Name and Liability Consistency
  • Required Fields for Active Claim Entry
  • Account Number Last 4 Digits Format
  • State Abbreviation Validation

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

What the AI walks you through.

  1. Navigate to Instafill.ai and upload or select Official Form 106D, Schedule D.
  2. Enter the debtor's name(s), bankruptcy court district, and case number in the header section.
  3. For each secured creditor, provide their full name and mailing address, the date the debt was incurred, and the last four digits of the account number.
  4. Detail the claim by entering the total amount owed, the value of the collateral securing the debt, and the amount of any unsecured portion.
  5. Characterize the debt by checking the appropriate boxes if the claim is contingent, unliquidated, or disputed, and specify who is liable for the debt.
  6. Describe the nature of the lien (e.g., mortgage, statutory lien, judgment lien) and the collateral involved.
  7. Review all entered information for accuracy, verify the calculated totals, and securely download the completed Schedule D for filing.

Common Mistakes in Completing Form 106D

The ones the AI is built to catch.

Incorrect Calculation of the Unsecured Portion
Filers often miscalculate the 'Unsecured Portion' of a claim. This value should be the 'Amount of Claim' minus the 'Value of Collateral,' but only if the result is greater than zero; otherwise, it should be $0. A common error is to leave it blank or copy the total claim amount, which can misrepresent the debt structure. This can lead to incorrect treatment of the claim in the bankruptcy plan. To avoid this, carefully subtract the collateral value from the total claim amount, and use AI-powered tools like Instafill.ai which can perform these calculations automatically to ensure accuracy.
Omitting Parties in the 'Other to Be Notified' Section
Debtors frequently list the original creditor but forget to add collection agencies, attorneys, or other parties who are actively trying to collect the debt in the 'Other to Be Notified' section. This omission means these parties won't receive legal notice of the bankruptcy filing, and they may continue collection activities illegally. To prevent this, review all communications related to a debt and list every party involved. Using a tool that helps manage and link related parties to a single debt can prevent this oversight.
Vague or Incomplete Collateral Description
People often provide generic descriptions like 'car' or 'house' in the 'Description of collateral' field. This is insufficient for legal purposes and can create ambiguity. A proper description should be specific enough to uniquely identify the asset, such as '2022 Toyota RAV4, VIN: [number]' or the full property address for real estate. Failing to do so can cause delays or challenges from the trustee or creditors. Always provide as much detail as possible to clearly identify the property securing the debt.
Misunderstanding 'Contingent,' 'Unliquidated,' and 'Disputed'
These legal terms are frequently confused, leading to incorrect checkbox selections. A debt is 'contingent' if it depends on a future event, 'unliquidated' if the exact amount is unknown, and 'disputed' if you contest your liability or the amount. Incorrectly marking a claim can have significant legal consequences for how it's handled. It is crucial to understand these definitions or consult with legal counsel; AI-powered form fillers can provide contextual help to clarify these terms during the filling process.
Incorrectly Identifying the Nature of the Lien
Filers often struggle to differentiate between a lien from an 'agreement' (like a mortgage), a 'statutory lien' (like a tax lien), and a 'judgment lien' (from a lawsuit). Choosing the wrong category can mischaracterize the debt and may lead to legal objections or improper treatment of the claim. It's important to review the documents that created the debt to determine the lien's origin. If the form is a non-fillable PDF, a tool like Instafill.ai can convert it to a fillable version and provide guidance on these complex fields.
Providing Incomplete or Incorrect Creditor Addresses
A simple typo, an old address, or a missing suite/apartment number for a creditor can result in the legal notice of bankruptcy being returned as undeliverable. If a creditor is not properly notified, the associated debt may not be discharged, meaning you would still owe it after the bankruptcy case is over. Always double-check creditor statements for the most current 'Notice of Bankruptcy' or mailing address. AI-powered tools like Instafill.ai can help by validating address formats and saving creditor information to prevent re-entry errors.
Using Incomplete or Informal Debtor Names
The form requires the full legal name for each debtor, including first, middle, and last names. Filers sometimes use nicknames, initials, or omit their middle name, which can cause identification issues and mismatches with court records. This can delay the case or create problems with creditor notices. Always use the name exactly as it appears on your government-issued identification to ensure the filing is accurate from the start.
Failing to Properly Assign Debt Liability
When filing jointly, it's crucial to correctly indicate who is liable for each debt: 'Debtor 1 only,' 'Debtor 2 only,' 'Debtor 1 and Debtor 2 only,' or 'At least one of the debtors and another.' People often guess or incorrectly mark 'Debtor 1 and Debtor 2 only' for all debts, even when one spouse had the debt before marriage. This can affect each debtor's personal liability and how the debt is treated. Carefully review who signed the original agreement for each debt to determine the correct liability.
Errors in Pagination and Column Totals
This form involves listing multiple claims, often across several pages, and requires calculating totals for certain columns on each page and for the entire schedule. Common mistakes include forgetting to number pages (e.g., 'Page 2 of 5'), miscalculating column totals, or forgetting to carry totals over to a summary page. These errors make the document difficult for the court to process and can lead to rejection or requests for correction. Using a digital solution that automates pagination and calculations, such as Instafill.ai, can eliminate these manual errors.
Answering the Initial 'Secured Claims' Question Incorrectly
The form begins with a critical 'Yes' or 'No' question: 'Do you have any creditors who have claims secured by your property?'. A filer might check 'No' by mistake, even if they have a mortgage or car loan, and then fail to list those required debts. Conversely, someone might check 'Yes' but then forget to fill out the details below. This fundamental error invalidates the entire form and will require an amendment, delaying the case. Always read the initial questions carefully to ensure you are providing all necessary information.

Frequently Asked Questions About Form 106D

 

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How does the AI fill out 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 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 Form 106D to fill out?
Form 106D has a Form Complexity Index of 78 out of 100, in the complex tier: 210 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 this form?
This form is used in a bankruptcy case to list all of your creditors who have claims secured by your property. This is often referred to as Schedule D, and it includes debts like mortgages and car loans.
Who needs to fill out this form?
Any individual or couple filing for bankruptcy (the Debtor) who has debts secured by collateral must complete this form. If you have no secured debts, you will check the 'No' box at the top of the form.
What is a 'secured claim'?
A secured claim is a debt where the creditor has a legal right to take a specific piece of your property (the 'collateral') if you fail to pay. Common examples are a mortgage on a house or a loan for a vehicle.
How do I calculate the 'Unsecured Portion' of a claim?
The unsecured portion is the amount of the debt that exceeds the value of the collateral. Subtract the 'Value of collateral' from the 'Amount of claim'; if the result is a positive number, enter it in this field.
What do the terms 'contingent,' 'unliquidated,' and 'disputed' mean?
A 'contingent' claim depends on a future event, an 'unliquidated' claim does not have a determined dollar amount, and a 'disputed' claim is one you disagree with. You should check the appropriate box if any of these conditions apply to a debt.
What is the difference between a statutory lien and a judgment lien?
A statutory lien is created by law, such as a tax lien, while a judgment lien results from a court order after a lawsuit. You must select the correct type of lien for each secured debt you list.
Who should I list in the 'Other to Be Notified' section?
Use this section to list any other party that needs to receive legal notices about a specific debt, such as a collection agency, the creditor's attorney, or a co-signer on the loan.
What if I owe a debt with someone who is not my spouse in this bankruptcy case?
If you and another person (who is not Debtor 2) are both liable for a debt, you should check the box for 'At least one of the debtors and another'. This indicates a co-debtor is involved.
When should I check the 'Amended filing' box?
You should only check the 'Amended filing' box if you are submitting this form to correct or update a version that you have already filed with the bankruptcy court. Do not check it for your initial filing.
What information do I need to provide for each creditor?
For each secured creditor, you must provide their full name and mailing address, the total amount of the claim, a description and value of the collateral, and the last four digits of the account number.
Can I use an AI tool to help me fill out this bankruptcy form?
Yes, services like Instafill.ai use AI to help you accurately auto-fill form fields. This can save you time and help reduce errors when completing complex legal documents.
How do I use Instafill.ai to complete this form online?
To use Instafill.ai, you can upload the PDF of the form to their platform. The AI will identify all the fields, allowing you to input your information once and have it populate the form automatically.
My copy of the form is a PDF that I can't type in. What should I do?
If you have a non-fillable or 'flat' PDF, you can use a service like Instafill.ai. It can convert the non-fillable PDF into an interactive form that you can easily complete and download.
How do I determine the 'Value of collateral'?
You must list the current fair market value of the property that secures the debt as of your filing date. This may require you to research recent sales of similar items or obtain a professional appraisal.
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