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Yes! You can use AI to fill out Official Form 106E/F, Schedule E/F: Creditors Who Have Unsecured Claims

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Official Form 106E/F, Schedule E/F: Creditors Who Have Unsecured Claims, page 1
Complex · 72/100Form Complexity Index

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What this form asks for

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This form is a mandatory schedule in a United States bankruptcy filing, requiring the debtor to list all creditors who have unsecured claims. It is divided into two main parts: Part 1 for priority claims (such as taxes and domestic support obligations) and Part 2 for nonpriority claims (like student loans or credit card debt). Accurately completing this schedule is crucial for the bankruptcy process to ensure all debts are properly accounted for and discharged. 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 fields229
Pages3
Sections9
Tables and lists2
Questions that depend on earlier answers54
Form Complexity IndexComplex, 72/100

The AI checks your answers before you download

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

Ensures Priority Claims are Listed if Indicated

This check verifies that if the user answers 'Yes' to question 1 ('Do any creditors have priority unsecured claims against you?'), at least one priority creditor is detailed in section 2.1 or a continuation page. This is crucial for form completeness, as a 'Yes' answer without corresponding details leaves the section incomplete and ambiguous. If validation fails, the user should be prompted to either add a creditor or change the answer to 'No'.

Verifies Priority Claim Amount Calculation

This validation ensures that for each priority claim listed in Part 1, the sum of the 'Priority amount' and 'Nonpriority amount' fields equals the 'Total claim' field. This is a critical logical check to maintain financial accuracy and prevent mathematical errors in the bankruptcy schedules. A mismatch would lead to incorrect totals and potential rejection of the filing.

Confirms Existence of Priority Amount in Part 1

This rule validates that for any claim listed in Part 1, the 'Priority amount' field contains a value greater than zero. Listing a claim in the priority section without a corresponding priority amount is contradictory and makes the entry invalid. This check ensures that only legitimate priority claims are included in this part of the schedule.

Requires Specification for 'Other' Claim Type

This check ensures that if the 'Other. Specify' checkbox is selected for either a priority or nonpriority claim type, the adjacent text field is not left blank. This is important for providing complete and explicit information to the court about the nature of the debt. Failure to specify makes the entry incomplete and requires clarification.

Ensures Nonpriority Claims are Listed if Indicated

This validation checks that if the user answers 'Yes' to question 3 ('Do any creditors have nonpriority unsecured claims against you?'), at least one nonpriority creditor is detailed in section 4.1 or a continuation page. Similar to the priority claims section, this ensures the form is logically consistent and complete. If 'Yes' is selected without any creditor details, the filing is incomplete.

Validates Account Number Format

This check verifies that the 'Last 4 digits of account number' field contains exactly four numeric digits. This specific format is required for identification purposes while protecting the debtor's full account information. Submitting incorrect formats can cause issues with creditor identification and data processing.

And 8 more checks
  • Validates 'Debt Incurred' Date
  • Validates Creditor's ZIP Code Format
  • Ensures Complete Creditor Entry
  • Requires Selection of Debtor Liability
  • Requires Selection of Claim Offset Status
  • Ensures Debtor 1 Name is Provided
  • Validates Numeric Format for Claim Amounts
  • Conditional Logic for Debtor 2 Fields

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How to Fill Out Official Form 106E/F Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload or select Official Form 106E/F.
  2. Use the AI assistant to input your personal and case information, such as debtor names and the bankruptcy court district.
  3. Proceed to Part 1 to list all priority unsecured claims, providing details for each creditor including their name, address, amount of the claim, and the type of priority.
  4. Complete Part 2 by listing all nonpriority unsecured claims, entering the creditor's information and the total claim amount for each.
  5. If other parties are liable for any of the listed debts, provide their information in the relevant section of the form.
  6. Review all the information entered across the schedule with the AI's help to ensure accuracy and completeness before finalizing.
  7. Download, print, or e-file the completed Schedule E/F as part of your bankruptcy petition.

Common Mistakes in Completing Official Form 106E/F

The ones the AI is built to catch.

Misclassifying Priority and Nonpriority Claims
Debtors often confuse priority debts (like recent taxes or domestic support) with nonpriority debts (like credit cards), listing them in the wrong section of the form. This is a critical error as it affects which debts get paid first and which may be discharged, potentially leading to objections from the trustee. To avoid this, carefully review the legal definitions of each claim type or consult with a legal professional before categorizing your debts.
Incorrectly Allocating Priority and Nonpriority Amounts
In Part 1, for claims that have both priority and nonpriority portions, filers often list the entire amount as priority or fail to ensure the two amounts sum to the total claim. This miscalculation can lead to an incorrect bankruptcy plan and affect the dischargeability of the debt. Always verify the exact breakdown of the debt and double-check your math. AI-powered tools like Instafill.ai can help prevent this by automatically validating that the amounts add up correctly.
Not Listing Creditors in Alphabetical Order
The instructions for Part 2 explicitly require nonpriority creditors to be listed alphabetically, a rule that is frequently overlooked. Filers tend to list debts in the order they remember them, which makes the schedule difficult for the court and trustee to process, potentially causing delays or requiring an amendment. To avoid this, sort your creditors before filling out the form. Using a tool like Instafill.ai can automate this process by sorting the entries for you.
Misunderstanding 'Contingent,' 'Unliquidated,' or 'Disputed'
Filers often misinterpret the legal meanings of 'Contingent,' 'Unliquidated,' and 'Disputed,' checking these boxes incorrectly or not at all. For instance, a claim is 'contingent' if it depends on a future event, not just because you're unsure about it. These errors misrepresent the nature of your liabilities and can lead to legal challenges, so it is vital to understand these terms or seek legal advice before making a selection.
Providing Incomplete or Inaccurate Creditor Addresses
Entering a wrong, incomplete, or outdated address for a creditor is a severe mistake, as it can prevent them from receiving legal notice of the bankruptcy. If a creditor is not properly notified, their debt may be excluded from the discharge, meaning you will still owe the money after your case is over. Always use the most recent statement to verify the creditor's mailing address for notices. AI form-fillers can help by validating address formats to catch typos.
Omitting Creditors from the Schedule
It is common for filers to accidentally omit debts, such as those to family members, old medical bills, or debts they personally dispute. You are required to list every single debt you owe. Failing to list a creditor will almost certainly result in that debt not being discharged, leaving you liable for payment post-bankruptcy. Thoroughly review your credit reports and financial records to ensure a complete list.
Failing to Specify Who Incurred the Debt
In joint filings, people often forget to check the box indicating whether the debt belongs to 'Debtor 1 only,' 'Debtor 2 only,' or is a joint or community debt. This information is critical for determining individual liability and how assets are treated, especially in community property states. An omission or error here can complicate the proceedings and requires careful review of original credit agreements to ensure accuracy.
Incorrectly Using or Numbering Continuation Pages
When filers have more creditors than fit on the main form, they often use continuation pages incorrectly. Common errors include failing to number the entries sequentially (e.g., starting again at 2.1 instead of continuing with 2.3) or neglecting to add their name and case number to the top of the extra page. This disorganization can cause claims to be overlooked by the court. If the form is a non-fillable PDF, tools like Instafill.ai can convert it to a fillable version and automatically manage continuation pages.
Forgetting Debtor and Case Information on Each Page
Filers frequently fill in their name and case number on the first page but forget to repeat this information in the header of all subsequent and continuation pages. If the pages of the filing become separated, any unidentified pages may be disregarded by the court, rendering the information on them invalid. This can lead to an incomplete filing and require time-consuming amendments. Using an automated tool can ensure this data is consistently populated across all pages.
Erroneously Listing Secured Claims on Schedule E/F
This schedule is exclusively for unsecured creditors. A frequent mistake is listing secured debts, such as a mortgage or car loan, on this form, particularly if there is a potential deficiency balance. Secured claims must be listed on Schedule D. This error creates confusion, shows a misunderstanding of the bankruptcy process, and will require filing amended schedules, which delays the case.

Frequently Asked Questions About Official Form 106E/F

 

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How does the AI fill out Official Form 106E/F?
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 106E/F, 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 106E/F to fill out?
Official Form 106E/F has a Form Complexity Index of 72 out of 100, in the complex tier: 229 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 Form 106E/F, Schedule E/F?
This form is used when filing for bankruptcy to list all your creditors who have unsecured claims. Unsecured claims are debts not backed by any collateral, such as credit card debt, medical bills, or personal loans.
What is the difference between a 'priority' and 'nonpriority' claim?
Priority claims, listed in Part 1, are debts that bankruptcy law requires to be paid first, like child support or recent taxes. Nonpriority claims, listed in Part 2, are general debts like credit cards or medical bills that are paid after priority claims.
Should I list my car loan or home mortgage on this form?
No, you should not list secured debts like car loans or mortgages here. Those debts are secured by property and must be listed on Schedule D: Creditors Who Have Claims Secured by Property.
What do 'contingent,' 'unliquidated,' and 'disputed' mean?
A 'contingent' claim depends on a future event, an 'unliquidated' claim is one where the exact amount owed is not yet certain, and a 'disputed' claim is a debt you believe you do not owe. You must check any of these boxes that apply to a specific debt.
How do I list a debt that has both priority and nonpriority amounts, like a tax bill?
You should list the entire claim in Part 1. Enter the total amount of the debt, and then break it down into the specific 'Priority amount' and 'Nonpriority amount' in the designated fields for that creditor.
What should I do if I run out of space to list all my creditors?
The form provides continuation pages for both Part 1 and Part 2. You can make copies of the necessary continuation page, fill in the additional creditors, and attach it to the main form.
What does the question 'Is the claim subject to offset?' mean?
This asks if the creditor also owes you money, which could potentially be used to reduce the debt you owe them. This is common with banks where you might have both a loan and a savings account.
What if I don't know the exact amount I owe or the date the debt was incurred?
Provide your best estimate for the amount and check the 'Unliquidated' box. For the date, provide an estimate if you cannot find the exact date on a statement or by contacting the creditor.
Where do I list common debts like credit cards, medical bills, and student loans?
These are typically nonpriority unsecured claims and should be listed in Part 2 of the form. Be sure to list each creditor alphabetically.
Can I use an AI tool to help me fill out this bankruptcy schedule?
Yes, services like Instafill.ai use AI to auto-fill form fields accurately and save time. This can be especially helpful for a long and detailed form like Schedule E/F, reducing the chance of errors.
How can I use Instafill.ai to complete Schedule E/F online?
Simply upload the PDF to the Instafill.ai platform. The AI makes the form instantly fillable, allowing you to type in your information or automatically extract data from your creditor statements to complete the schedule.
The PDF version of Schedule E/F I have is not fillable. What can I do?
You can use a tool like Instafill.ai to make it interactive. Instafill.ai can convert flat, non-fillable PDFs into fillable forms online, so you can easily type your information instead of printing and writing by hand.
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