Official Form 106D, Schedule D: Creditors Who Have Claims Secured by Property Completed Form Examples and Samples
Explore detailed examples and filled-out samples of Official Form 106D, Schedule D: Creditors Who Have Claims Secured by Property. Learn how to correctly list secured debts like mortgages and car loans for your bankruptcy filing.
Official Form 106D, Schedule D Example: Individual Filing with Mortgage and Car Loan
How this form was filled:
This example shows how an individual or joint filer would complete Schedule D for two common secured claims: a mortgage on a primary residence and a loan for a personal vehicle. It demonstrates how to list the creditor, describe the property, and calculate the secured and unsecured portions of each claim, including a situation where the vehicle is 'underwater' (loan balance exceeds the car's value).
Information used to fill out the document:
- Debtor 1 Name: John Smith
- Debtor 2 Name: Jane Smith
- Creditor 1 Name: Big Bank Home Loans
- Creditor 1 Address: P.O. Box 1000, Financial City, ST 98765
- Creditor 1 Account Number: 987-654321-M1
- Date Claim Incurred (Creditor 1): 03/15/2020
- Description of Lien (Creditor 1): First Mortgage on Primary Residence
- Property Securing Claim (Creditor 1): Primary Residence at 123 Maple St, Anytown, CA 90210
- Total Claim Amount (Creditor 1): $250,000.00
- Value of Property (Creditor 1): $300,000.00
- Unsecured Portion (Creditor 1): $0.00
- Creditor 2 Name: Auto Finance Corp.
- Creditor 2 Address: 500 Car Loan Drive, Suite 200, Motorville, TX 75001
- Creditor 2 Account Number: AF-5551234
- Date Claim Incurred (Creditor 2): 07/22/2024
- Description of Lien (Creditor 2): Purchase-money security interest
- Property Securing Claim (Creditor 2): 2022 Toyota Camry, VIN: 123ABC456DEF789G
- Total Claim Amount (Creditor 2): $18,000.00
- Value of Property (Creditor 2): $15,000.00
- Unsecured Portion (Creditor 2): $3,000.00
What this filled form sample shows:
- Demonstrates listing a home mortgage as a secured claim, a common item for individual filers.
- Includes a vehicle loan, another frequent type of secured debt.
- Clearly shows how to calculate the unsecured portion of a claim when the collateral is worth less than the amount owed (an 'underwater' loan).
- Provides complete and properly formatted creditor information, including name, mailing address, and account number.
- Specifies the description of the lien and the property securing the debt for each creditor.
Form specifications and details:
| Form Name: | Official Form 106D, Schedule D: Creditors Who Have Claims Secured by Property |
| Use Case: | Joint individual filers with a home mortgage and a vehicle loan. |
| Filing Year: | 2026 |
Created: March 07, 2026 01:22 AM
